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Progressive Colorado total-loss (Projected Sold Adjustment) settlement

Curran, et al. v. Progressive Direct Ins. Co., et al.

Also known as Progressive Preferred; Progressive total loss settlement; Curran v. Progressive; COTotalLossClaim

The lawsuit claimed Progressive underpaid Colorado total-loss claims by using Projected Sold Adjustments.

Copied from the official notice. Last compared Nov 7, 2026.

Open File by Friday, Feb 5, 2027 (online, or by mail).

You could get
68% of PSA Impact Amount
Source
“eligible for payment of 68% of the Projected Sold Adjustment (“PSA”) Impact Amount for covered total loss claims”

From the administrator site: Official long-form notice (PDF linked from the official site's Case Documents page). Last compared Nov 7, 2026.
You need
No receipt needed Needs the code from your notice Claimant ID (or Total Loss Claim Number) and PIN from your postcard or email notice, to file online Some paperwork: describes the claim form only
Source
“You can call 1-888-808-1463 or visit www.COTotalLossClaim.com and request that the Settlement Administrator send you a Claim Form. ... Your Claimant ID and PIN can be found on the postcard and email notices you received.”

From the administrator site: Official long-form notice (PDF linked from the official site's Case Documents page). Last compared Nov 7, 2026.
Who can file
Colorado Progressive total-loss claim, 2019-2026
Source
“Excluded from the Settlement Classes are: 1. Progressive Direct Insurance Company, Progressive Preferred Insurance Company, all present or former officers, directors, employees or legal representatives, Class Counsel, and the Honorable Judges S. Kato Crews and Nina Y. Wang, and any member of their immediate families;”

From the court record: Settlement agreement (PDF linked from the official site's Case Documents page). Last compared Nov 7, 2026.

Where
Colorado only
Source
“(1) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Direct Insurance Company to a Colorado resident where the claim was submitted from April 12, 2019, through July 8, 2026, and Progressive Direct determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Direct Class”). (2) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Preferred Insurance Company to a Colorado resident where the claim was submitted from December 19, 2021, July 8, 2026, and Progressive Preferred determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Preferred Class”).”

From the administrator site: Official long-form notice (PDF linked from the official site's Case Documents page). Last compared Nov 7, 2026.

Time to file
About 3 minutes
Source

Our estimate of how long the official claim form takes. The notice does not say.

From the official site: cototallossclaim.com. Last compared Nov 7, 2026.

File free on the official site
Official site: cototallossclaim.com

Free. The official site never charges.

Add deadline to my calendar

Remind me before the deadline, and tell me when it pays

Email only, about this settlement only. We never give your email to law firms or claim services. You confirm by email first, and every message has a one-click unsubscribe.

Quick answers

How much is the Progressive Colorado total-loss (Projected Sold Adjustment) settlement payout?

68% of PSA Impact Amount.

Where is the Progressive Colorado total-loss (Projected Sold Adjustment) settlement claim form?

On the official site, cototallossclaim.com. Filing is free. The last day to file is Feb 5, 2027.

Open the claim form on cototallossclaim.com

When will the Progressive Colorado total-loss (Projected Sold Adjustment) settlement pay?

Payment can only happen after the court gives final approval and any appeals are over.

The final approval hearing is set for Jan 6, 2027.

Is the Progressive Colorado total-loss (Projected Sold Adjustment) settlement legit?

The settlement administrator (the company that handles claims) is Verita, and the official site is cototallossclaim.com. Real notices point there; if a link in a message goes anywhere else, do not use it.

The official site never asks you to pay to file.

How to check a notice or a text

Compare yourself to the official class definition

You may be included if your car was totaled on a Progressive Direct or Progressive Preferred auto policy issued to a Colorado resident.

It covers claims from April 12, 2019 (Direct) or December 19, 2021 (Preferred) to July 8, 2026 with a Projected Sold Adjustment.

You are not included if you are a Progressive officer, director or employee, Class Counsel, or a judge on the case or their family.

Check each condition yourself. The boxes are only for you; nothing is sent or stored.

The court’s exact words

(1) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Direct Insurance Company to a Colorado resident where the claim was submitted from April 12, 2019, through July 8, 2026, and Progressive Direct determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Direct Class”). (2) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Preferred Insurance Company to a Colorado resident where the claim was submitted from December 19, 2021, July 8, 2026, and Progressive Preferred determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Preferred Class”).

From the administrator site: Official long-form notice (PDF linked from the official site's Case Documents page)

This checklist is for guidance only and can be wrong. Only the court's definition decides. Read the official wording before you file.

How to file

  1. Find the code from your notice

    • Claimant ID (or Total Loss Claim Number) and PIN from your postcard or email notice, to file online

    No notice, or lost it?

  2. Gather what you need

    No proof of purchase is required.

    • No notice or form: call 1-888-808-1463 to ask for a Claim Form

  3. File online, or by mail

    At cototallossclaim.com, by Feb 5, 2027. Filing is free.

    Or mail a paper claim form to:Curran v. Progressive, Settlement Administrator, P.O. Box 301132, Los Angeles, CA 90030-1132

    The deadline note says: “Online by 11:59pm ET on February 5, 2027 (filing online needs the Claimant ID or Total Loss Claim Number and PIN from your notice), or by mail postmarked no later than February 5, 2027.”

  4. Save your confirmation

    Keep your confirmation number or email. You do not need to file again.

Confirm with the administrator before you act.

After you file

Payment can only happen after the court gives final approval and any appeals are over.

The final approval hearing is set for Jan 6, 2027.

For context: First payments were issued 52 to 875 days after final approval, based on 15 settlements. Half were paid within 119 days. 1 of the 15 waited on appeals after approval.

See what is known about payments in other settlements

Also ending this week

Case details
Case
Curran, et al. v. Progressive Direct Ins. Co., et al.
Court
United States District Court for the District of Colorado
Case number
1:22-cv-00878-SKC-TKO
Administrator
Verita
Settlement fund
About $15,240,887 in total available to be claimed (estimated Total PSA Impact Amount)
Full payout terms
68% of 2.75% or 2.25% of the totaled car's value68% of the PSA Impact Amount for your total-loss claim. The PSA Impact Amount is 2.75% of the vehicle's Actual Cash Value (as determined in Progressive's records) for the Progressive Direct Class and 2.25% for the Progressive Preferred Class. The total available to the classes is estimated at $15,240,887; attorneys' fees, costs and service awards are paid separately by Progressive and do not reduce it.
Effort
Easy, about 3 minutes
States
Colorado
Other dates
Opt-out (exclusion) deadline
(passed) source document
Objection deadline
(passed) source document
Final approval hearing
(ahead) source document
The court’s exact words

(1) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Direct Insurance Company to a Colorado resident where the claim was submitted from April 12, 2019, through July 8, 2026, and Progressive Direct determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Direct Class”). (2) All persons who made a first-party claim for property damage to a motor vehicle on a policy of personal automobile insurance issued by Progressive Preferred Insurance Company to a Colorado resident where the claim was submitted from December 19, 2021, July 8, 2026, and Progressive Preferred determined that the vehicle was a total loss and based its claim payment on an Instant Report from Mitchell where a Projected Sold Adjustment was applied to at least one comparable vehicle (“Progressive Preferred Class”).

Quoted from the official notice. Read the notice for the full definition.

Our notes: Two classes, both for first-party total-loss claims on personal auto policies issued to Colorado residents where Progressive based its payment on a Mitchell Instant Report that applied a Projected Sold Adjustment to at least one comparable vehicle: (1) Progressive Direct Class, claims submitted April 12, 2019 through July 8, 2026; (2) Progressive Preferred Class, claims submitted from December 19, 2021 to July 8, 2026 (the notice omits the word 'through' here). People identified in Progressive's claims data were sent an email and/or postcard notice. Excluded (settlement agreement): Progressive Direct and Progressive Preferred, their present or former officers, directors, employees or legal representatives, Class Counsel, Judges Crews and Wang and their immediate families, and people who opt out. Read the notice for the full definitions.

Sources and checks (7)

Every fact people act on was copied from the official source and compared with it. How we check

What changedLast change Oct 26, 2026
  • Page created. Claims open until February 5, 2027. source document
Questions

I already filed. What now?

Keep your confirmation number or email. You do not need to file again. Payment can only happen after the court gives final approval; once it does, the payment status page shows what is known.

File free on the official site Opens cototallossclaim.com