Texas auto policyholders and passengers whose Progressive personal injury protection (PIP) medical bills were paid late can file until January 19, 2027 for interest and a small flat percentage from a settlement worth up to $8 million. Payments to class members are capped at $6 million, and a claim must be filed online to be paid.
The official settlement website says the lawsuit, filed in the Travis County district court, alleges Progressive County Mutual Insurance Company failed to handle PIP medical bills on time. Progressive denies doing anything wrong, and the court has not ruled on the merits.
Which payments count as late
The case is Koetter v. Progressive County Mutual Insurance Company, in the 419th Judicial District Court. The class covers Progressive PIP claimants with a Texas-based policy, not only Travis County residents. Travis County is simply where the court sits.
Eligibility is set bill by bill. A medical bill line must have an allowed amount above zero, and its explanation of benefits (EOB) must have been printed between August 30, 2016 and June 1, 2026. Two classes apply: the 15-day class, where the EOB came more than 15 business days after Progressive received the bill, and the 30-day class, where it came more than 30 days after.
A single bill can sit in both classes, and then the payments add together. Anyone who used PIP after a Texas car crash since 2016 should pull out the EOB letters and compare the date printed on each with the date the provider says it billed Progressive.
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How the interest is figured
The formulas come from the settlement agreement as summarized by Top Class Actions. For the 30-day class, the payment is 5% of the bill’s allowed amount plus 11.452% annual interest for the days after the 30th day. For the 15-day class, it is 11.452% annual interest for the days between the 15th business day and the earlier of the EOB print date or the 30th day.
The agreement includes a worked example. A $1,000 allowed amount paid 30 days past the 30-day mark comes to $50 in flat payment plus $9.41 in interest, or $59.41. A $1,000 allowed amount with ten days of 15-business-day interest comes to $3.14.
Those amounts are small per bill, which is why the number of late bills matters. A person with a long treatment history could have dozens of lines in the class, and one form covers all of them.
Where the $8 million and the $6 million come from
The settlement is claims-made, meaning it pays only what is claimed. The overall ceiling is $8 million including lawyers’ fees, and the amount available for class member payments is capped at $6 million. If valid claims exceed that, every payment is reduced proportionally.
Class counsel may ask for up to $2 million in fees and costs, which counts against the $8 million but not the $6 million. Notice and administration costs of up to $500,000 are paid separately, and the two class representatives may receive up to $10,000 each, subject to the judge’s approval. Class counsel are Jarrett Stone of the Stone Firm and Paul Colley Jr. of the Colley Firm.
How the online claim works
Claims go through the administrator, Verita, at the portal the settlement site links to. There is no PDF claim form to download, and no receipts or medical records are required. Filers need a Claim ID and PIN from their notice, or else the Progressive policy number or PIP claim number, plus a name and the address on file when the bill was submitted.
If the administrator cannot match a claim, it sends one notice with 30 days to fix it, and only one chance is given. Payment can come by digital options such as Zelle or PayPal, or by mailed check when the expected amount is more than $5. Checks are valid for 180 days, and uncashed money goes back to Progressive, not to other class members.
The Texas Department of Insurance says all Texas auto policies include PIP, which pays medical bills and some nonmedical costs such as lost wages for the policyholder and passengers, unless the policyholder rejects it in writing. That is the coverage this settlement concerns.
Questions about a notice or a claim that will not match go to the administrator, Verita Global, at 888-808-4386 or by mail to Koetter v. Progressive Settlement Administrator, P.O. Box 301132, Los Angeles, CA 90030-1132. Anyone who prefers paper can ask the administrator for a form, since the website itself offers only the online route.
The dates on the calendar
Opting out or objecting requires a postmark by November 12, 2026. The final approval hearing is December 17, 2026 at 9 a.m. The claim deadline is January 19, 2027, and no time of day or time zone is stated, so filing earlier avoids any dispute over the cutoff.
Progressive has not admitted wrongdoing and agreed to settle to avoid the cost and uncertainty of further litigation, with King & Spalding lawyer Zachary McEntyre listed as defense counsel. Anyone who files a valid claim gives up the right to sue Progressive over the claims in this lawsuit. No payment date has been announced, and checks go out only after the court grants final approval and any appeals are resolved.
Filing for the Progressive PIP interest before January 19?
The deadline is January 19, 2027, and the claim form asks for a Claim ID and PIN or a policy number. A person who waits until January may find the notice buried in a drawer and the EOB letters scattered across years of mail.
The Settlement & Refund Recovery System includes a step-by-step filing walkthrough and a claim log and payment tracker, so the date, the identifier used and the expected payment for each bill sit on one page. It also teaches the four-date rule for reading a settlement notice, which separates the opt-out, hearing and claim dates that are easy to confuse.
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This article was produced with AI assistance and edited for accuracy against the sources linked above.
