Progressive Insurance $500,000 Debt Collection Settlement

Florida residents who received a billing- or cancellation-related email from Progressive Insurance between 9 p.m. and 8 a.m. local time on or after July 2, 2022, may qualify to claim up to $1,000 from a class action settlement.

Progressive Direct Insurance Co. agreed to pay $500,000 to resolve a class action lawsuit alleging it sent debt collection emails to Florida residents during hours the Florida Consumer Collection Practices Act prohibits.

Who can file a Progressive Insurance claim?

Class members must meet all of the following criteria:

• They were a resident of Florida at the time they received the email.
• They received the email between July 2, 2022, and May 16, 2025.
• Progressive Direct Insurance Co. sent the email between 9 p.m. and 8 a.m. local time to their residential address.
• The email contained information about a Florida insurance policy covering property used primarily for personal, family or household purposes.
• The email contained billing information (such as a billing installments, billing reminders or a billing lapse), cancellation information (such as a cancellation warning, cancellation collection notice or cancellation collection reminder) or something similar.

Only one claim is allowed per person regardless of how many qualifying emails they received.

How much is the email payout?

Pro rata payment: Each class member who submits a valid and timely claim may receive a maximum payment of $1,000. The actual amount each person receives depends on the total number of valid claims submitted and deductions for attorneys' fees and costs, administrative costs and the service award for the class representative.

If the total amount of valid claims exceeds the available funds, the settlement administrator will reduce each claimant's payment proportionally.

How to claim a class action rebate

Class members can complete the online claim form or download and print the PDF claim form, fill it out and mail it to the settlement administrator. The deadline to submit a claim is Nov. 24, 2025.

Settlement administrator's mailing address: Frechou v. Progressive Direct Insurance Co., c/o Kroll Settlement Administration LLC, P.O. Box 225391, New York, NY 10150-5391

Is proof/documentation required to submit a claim?

All class members must provide the class member ID provided on the email or postcard notice they received.

Payout options

• Electronic payment

$500,000 settlement fund breakdown

The $500,000 settlement fund includes:

• Settlement administration costs: To be determined
• Attorneys' fees and expenses: Up to $165,000
• Service award to class representative: $2,500
• Payments to eligible class members: The remaining funds

Important dates

• Deadline to opt out: Nov. 7, 2025
• Deadline to file a claim: Nov. 24, 2025
• Final approval hearing: Dec. 8, 2025

When is the Progressive email settlement payout date?

The settlement administrator will issue payments approximately 90 days after the court grants final approval of the settlement and resolves any appeals.

Why is there a class action settlement?

The class action lawsuit alleged Progressive Direct Insurance Co. sent debt collection emails to Florida residents between 9 p.m. and 8 a.m., potentially violating the Florida Consumer Collection Practices Act. The FCCPA restricts certain communications regarding consumer debt collection during specific hours.

Progressive denies the allegations but agreed to settle the case to avoid the expense and uncertainty of litigation.

Sources

1. Class notice
2. Claim form
3. Settlement agreement%20GM.pdf)
4. Settlement FAQ