Two auto-insurance settlements are taking claims at the same time, one in Colorado and one in Washington. Progressive Direct and Progressive Preferred customers in Colorado whose cars were totaled share a settlement of about $15.2 million, with claims due by Feb. 5, 2027. State Farm customers in Washington share up to $8.8 million over underinsured-motorist property damage payments, with claims due Dec. 14.
Two settlements, two calendars: The Settlement & Refund Recovery System pairs a claim log and payment tracker with the four-date rule for reading a settlement notice, two tools suited to deadlines that differ by state.
Log the Dec. 14 and Feb. 5 claim dates side by side →
Curran v. Progressive covers Colorado total-loss valuations
The Colorado case is Curran v. Progressive Direct Insurance Co., filed in the U.S. District Court for the District of Colorado. The administrator, Verita, says on the settlement website that the settlement fund is approximately $15,240,887. The class covers people whose vehicles were totaled while insured by Progressive Direct or Progressive Preferred in Colorado and who allegedly received less than the vehicle’s actual cash value.
The settlement FAQ defines the Direct class as people who made a first-party property damage claim on a Progressive Direct policy issued to a Colorado resident from April 12, 2019, through July 8, 2026. The Preferred class runs from December 19, 2021, to the same July 8 date, and covers total losses valued using Mitchell Instant Reports with Projected Sold Adjustments.
Hardy v. State Farm covers Washington underinsured-motorist claims
The Washington case is Hardy v. State Farm Mutual Automobile Insurance Company, in the U.S. District Court for the Western District of Washington. The settlement site, run by Kroll Settlement Administration, lists a fund of up to $8,822,039.83.
The class is made up of Washington State Farm insureds who received underinsured motorist property damage payments, known as UMPD, for vehicle damage between January 13, 2019, and February 27, 2026, and who meet additional criteria. The site describes the payment basis as diminished value on vehicles with structural damage that could not be fully repaired to their pre-accident condition. Two different insurers, two different coverage types and two different courts are involved, so a Progressive policy in Colorado and a State Farm policy in Washington answer to separate rules.
How each fund pays out: a percentage of an adjustment versus diminished value
Progressive’s payment formula is written into the settlement website: members receive “68% of the Projected Sold Adjustment (‘PSA’) Impact Amount for covered total loss claims.” The FAQ ties the adjustment to a share of actual cash value, 2.75% for Direct class members and 2.25% for Preferred members, so a payment depends on the vehicle’s own recorded value rather than on a flat sum. The site does not print a per-person dollar figure, and none is repeated here.
State Farm’s Washington payments follow diminished value, the drop in a vehicle’s worth after structural damage that repairs do not fully cure. No average payout appears on the settlement site either. Third-party sites publish per-person estimates for both cases, but neither administrator does, so the amount any household receives is unknown until claims are counted and the court approves the deal.
The Progressive FAQ is direct about inaction: no automatic payments are mentioned, and anyone who does not submit a claim “will not receive a Settlement Class Member Payment.”
Dates in Washington and Colorado, in order
Washington’s calendar is the tighter one. The site lists Sept. 30, 2026, as the postmark date for both exclusion requests and objections. The final approval hearing follows on Oct. 30, 2026, and the claim deadline is Dec. 14, 2026.
Colorado’s opt-out and objection date is Nov. 5, 2026, postmarked. The important dates page sets the fairness hearing for Jan. 6, 2027, at 10 a.m. in Denver, and the claim deadline is Feb. 5, 2027, submitted or postmarked by that date. For a household with cars insured in both states, or a family that moved across the border, that is five separate dates across two administrators.
Two class definitions, two claim forms and two postmark rules
The definitions do not overlap. Colorado turns on the state of the policyholder, the Progressive brand line, the date a claim was submitted and how the total loss was valued. Washington turns on the state, the UMPD coverage, the loss date and the structural damage. A household that had a total loss in Colorado in 2022 and an underinsured-motorist repair in Washington in 2024 would have to read two notices against two sets of criteria.
The claim forms also work differently. In Colorado, the administrator says claims can be mailed on a signed form postmarked by Feb. 5, 2027, or filed online with a Claimant ID or Total Loss Claim Number and a unique PIN by 11:59 p.m. Eastern that day. In Washington, the site lists online forms, mail postmarked by the deadline and a phone line at (833) 930-0261. Neither site’s front page spells out what documents, if any, must accompany a claim, so the notice or the administrator has to settle that.
Filing a claim with either administrator is free and needs no paid help, and each settlement website is the official route.
Keeping two states’ settlement paperwork straight
Auto-insurance settlements in different states seldom share definitions, forms or calendars, and a household touched by both has two sets of notices to keep apart. The pattern extends to any run of overlapping claims where each one has its own identifier, its own administrator and its own cutoff.
The Settlement & Refund Recovery System includes a claim log and payment tracker and a step-by-step filing walkthrough for recording each filing, confirmation and payment.
Grab the claim log in The Settlement & Refund Recovery System while both claim windows are open →
This article was drafted with AI assistance and checked against both settlement websites before publication.
