Georgia Man Files Suit Against Progressive Insurance, Mitchell for Car Payouts

Keddrick Brown filed suit in Georgia federal court October 12 against an affiliate of Progressive Casualty Insurance and Mitchell Intelligence.

In Brown v. Progressive Mountain Insurance Co. et al., Brown alleges in proposed class allegations that Progressive arbitrarily lowers vehicle settlement values throughout Georgia when the vehicle is a total loss. Brown’s 2014 Dodge Charger was insured with Progressive when declared a total loss in May 2021.

According to Brown’s claims, insured drivers cannot recoup the full value of their cars, and Progressive’s “projected sold adjustment” of the vehicle’s value that is declared a total loss violates Georgia law. Brown references the Georgia law which requires insurers to pay the actual cost of a vehicle so that the insured can buy another vehicle.

The lawsuit states that this practice also violates Progressive’s affiliate, Progressive Mountain Insurance Co.’s policies.

Mitchell International, based in San Diego, is the software company that handles Progressive’s insurance claims. Brown alleges that unexplained and arbitrary adjustments exist in Mitchell’s valuation reports for vehicles insured by Progressive. The adjustments violate Georgia law and lower payouts received by insured drivers.

“These deductions are arbitrary, unsupported, and inconsistent with the realities of today’s used vehicle market,” Brown said in the suit. In Mitchell’s list pulled from online listings of comparable replacement vehicles for Brown’s Dodge Charger, the lawsuit states that the vehicles’ value was reduced and Brown’s potential payout was cut by $830.

Brown’s suit seeks to include Georgia drivers insured by Progressive Mountain Insurance or other Progressive affiliates in the last six years who received a “projected sold adjustment” deduction on the valuation of their total loss vehicle from Mitchell.

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