Texas drivers whose medical bills were paid late under Progressive County Mutual Insurance Company’s personal injury protection coverage have until January 19, 2027 to file a claim in a class-action settlement. The settlement covers bills with an explanation-of-benefits print date between August 30, 2016, and June 1, 2026, and the payment comes from a formula built on a flat 5 percent charge and 11.452 percent annual interest. Nobody receives money automatically. The settlement is claims-made, which means a person who does not file gets nothing even when Progressive’s own records list the late payment.
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Personal injury protection, known as PIP, is the Texas auto coverage that pays medical bills and some lost income after a crash no matter who caused it. The lawsuit, filed in Travis County, alleges that Progressive failed to handle PIP medical bills on time, as the Texas Prompt Payment of Claims Act and the state Insurance Code require. Progressive denies it did anything wrong and says it complied with Texas law. The settlement resolves the dispute without any finding on that question, and the court has not yet approved it.
Who is in the 30-day and 15-day classes
The settlement is split into two groups, both defined by how long Progressive took. The claim site’s frequently asked questions describe a 30-day class made up of people whose PIP medical bills were paid more than 30 days after Progressive received the bill, and a 15-day class for bills processed more than 15 business days after receipt. Both groups are tied to the date printed on the explanation of benefits, the statement Progressive sends to show how a bill was handled.
Membership does not depend on guessing. The site says class members are the people who received an email notice or a postcard notice, because Progressive’s own records are what put a person on the list. A policyholder who treated after a Texas crash, saw a bill drag on for weeks and later got a settlement email or postcard is the person the case describes, and the notice carries the details needed to file. The question of whether a bill was late is answered by the notice, not by a policyholder’s memory.
For a policyholder holding a Progressive notice and unsure which of the two classes a bill falls into, The Settlement & Refund Recovery System includes the four-date rule for reading a settlement notice and a step-by-step filing walkthrough.
See the Progressive PIP claim steps and notice dates →
How the 5 percent and 11.452 percent interest are paid
The 15-day class receives interest only. According to the claim site, the payment is 11.452 percent annual interest calculated on what the settlement calls the 15-business-day interest days, the stretch of time a bill sat unpaid beyond that mark. Because the rate is annual, a bill paid a few days past the line produces a small amount, and a bill that waited months produces more. The size of each payment therefore tracks both the amount of the bill and the length of the delay.
The 30-day class gets more per bill. Its payment has two parts: a flat 5 percent of the line item’s allowed amount, which is the amount Progressive recognized for that charge, plus the same 11.452 percent annual interest counted over the 30-day interest days. The 5 percent is paid per line item on the bill, so a statement with several charges can add up. A bill that falls into both groups is paid on both calculations, in two stages, according to the site.
Timing is the part still open. The FAQ says payments follow court approval and the resolution of any appeals, so checks and digital payments will not go out before the December hearing and probably will not arrive soon after it. The site gives no payment date. It also repeats the warning that matters most for the reader on a fixed income: a person who does nothing receives no payment from this settlement, because only a submitted claim form triggers the calculation.
Opt-out, objection and the December 17 hearing
Two deadlines come before the claim deadline. The important dates page lists November 12, 2026 as the last day to be excluded from the settlement or to object to it, and both must be postmarked by that date and sent by mail. The final approval hearing is set for December 17, 2026, at 9:00 a.m. before Judge Mauzy in the 419th Judicial District Court, in the Travis County Civil Courthouse at 1700 Guadalupe Street in Austin.
The choice at the November deadline has real consequences. A person who asks to be excluded keeps the right to sue Progressive individually over a late PIP payment but cannot collect from the settlement. A person who stays in gives up that right for the covered bills, whether or not a claim is filed. An objection is for class members who want the judge to know why the deal should not be approved, and the judge decides at the hearing whether the settlement goes forward.
Lawyers’ fees are handled separately. The long-form notice says Progressive pays up to $2,000,000 for attorneys’ fees and costs, and up to $10,000 to each class representative, and that those amounts will not be deducted from the money available to class members. The notice carries the case number D-1-GN-18-005132 in the District Court of Travis County. It does not state a total fund, so the size of the settlement is not published there.
Filing the Progressive PIP claim before January 19
The free route is the claim site itself. The online claim form is where a class member submits the claim, and the site says the form must be submitted online by January 19, 2027. The notice, sent by email or postcard, is the document tied to a person’s place in the class, so it should be on hand before starting. The settlement administrator lists a contact page on the same site for questions, and no one has to pay anyone to file.
The details worth matching against the notice are the two dates and the two classes. The explanation-of-benefits print date must fall between August 30, 2016 and June 1, 2026, and the notice indicates whether a bill is in the 15-day class, the 30-day class or both. That distinction drives the money, since the 30-day class gets the extra 5 percent on each line item while the 15-day class gets interest alone. A person with several bills has several calculations behind a single claim.
Three dates now frame the case: November 12 for opting out or objecting, December 17 for the judge’s decision on approval, and January 19 for filing. The last one is the only date that decides whether a payment is possible at all. The court can still change the settlement, and the administrator has not announced when payments would start, so the first money cannot arrive before the court rules and any appeal ends.
MoneyPilot, a paid subscription service, lists open class-action settlements, shows which ones may match the subscriber, and then files claim forms and tracks deadlines and payout status for anyone juggling several claims at once.
Get MoneyPilot to track the Progressive PIP claim deadline →
This article was produced with AI assistance and reviewed by The Money Overview’s editorial team.
