Published
October 2, 2026
Personal injury protection (PIP) claimants under Texas-based Progressive County Mutual auto policies whose medical bills were paid more than 15 business days or 30 days after Progressive received them, with an Explanation of Benefits printed between August 30, 2016 and June 1, 2026, may qualify to claim a cash payment from the Progressive Texas PIP class action settlement. Claims close January 19, 2027; the final approval hearing is set for December 17, 2026.
Current Status
Claims are open. Claim forms must be submitted online by January 19, 2027; there is no paper claim form. The court authorized notice to the class, and the final approval hearing is scheduled for December 17, 2026, at 9:00 a.m. The settlement has not received final approval, and no payment date has been announced as of October 2, 2026. Class members who want a payment have to file a claim; doing nothing means no money and giving up the right to sue over these claims.Free settlement alerts
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Status
Claims Open
Claim Deadline
January 19, 2027
Online only · exclude or object by November 12, 2026
Estimated Payout
5% + 11.452% Interest
Per late-paid bill line item · about $59 on a $1,000 bill paid 30 days past the 30-day mark · reduced pro rata if claims top $6M
Proof Required
Yes — ID or Progressive Number
Claim ID and PIN from the notice, or the Progressive policy or claim number for the PIP claim · no receipts
What Changed Recently?
Progressive County Mutual Insurance Company and the plaintiffs signed a class action settlement agreement on August 26, 2026, resolving Koetter, et al. v. Progressive County Mutual Insurance Company, a lawsuit first filed in 2018 in the District Court of Travis County, Texas. The court then authorized notice to class members, and the claim portal opened on the official settlement website.The lawsuit alleges that Progressive did not handle medical bills submitted under PIP coverage within the deadlines set by the Texas Prompt Payment of Claims Act and the Texas Insurance Code, and did not pay the statutory remedies on every late payment. Progressive denies those allegations, maintains that it complied with Texas law and its policies, and agreed to settle without admitting liability to avoid the cost and uncertainty of further litigation. The court has not ruled on the merits.
Who Qualifies?
The settlement covers Progressive PIP claimants with a Texas-based policy. Eligibility is decided bill by bill, using the date Progressive received a medical bill and the date it printed the original Explanation of Benefits (EOB) for a line item on that bill. A line item counts only if Progressive allowed more than $0 on it and the original EOB print date falls between August 30, 2016 and June 1, 2026.There are two overlapping groups. The 30-Day Class covers line items whose original EOB was printed more than 30 days after Progressive received the bill. The 15-Day Class covers line items whose EOB was printed more than 15 business days after the bill was received. A single late line item can fall into both groups.
Anyone who received an email or postcard notice is a class member according to Progressive’s records. Progressive’s current and former officers and directors, class counsel, defense counsel, the presiding judge, and their resident relatives are excluded, as is anyone who opts out.
How Much Can You Get?
Payments are calculated by the settlement administrator from Progressive’s billing data, line item by line item, so class members do not need to work out the figure themselves. The formula depends on how late the EOB was printed:- 30-Day Class line items earn a flat 5% of the line item’s allowed amount, plus interest at 11.452% a year for each day after the 30th day until the EOB was printed.
- 15-Day Class line items earn interest at 11.452% a year for the days between the 15th business day and the earlier of the EOB print date or the 30th day.
- A line item in both classes earns both amounts: interest for the stretch from the 15th business day to the 30th day, then the 5% plus interest for the stretch after the 30th day.
The settlement agreement gives two worked examples. A $1,000 allowed amount paid 30 days past the 30-day mark comes to $50 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. Actual payments depend on each claimant’s bills.
Progressive’s total payments to class members are capped at $6 million. If valid claims would add up to more than that, every payment is reduced pro rata so the total equals the cap. This is a claims-made settlement: only class members who file a valid claim are paid, and there is no common fund that is divided among everyone.
What Proof or Notice ID Is Required?
No receipts or medical records are needed. The claim form does require information that can be matched to Progressive’s records: the claimant’s name, the email or mailing address on file when the medical bill was submitted, and one identifier — the Claim ID (with PIN) from the notice, the Progressive policy number, or the Progressive claim number associated with the PIP claim. Claimants also sign electronically.Because the online form will not proceed without one of those identifiers, this page treats the settlement as proof-required. Class members who no longer have the notice can still file with the policy or claim number from their Progressive paperwork.
A filing that cannot be matched is not automatically rejected. The administrator sends a cure notice and allows 30 days to fix the problem, but only once.
What Is the Deadline?
Claim forms must be submitted online by January 19, 2027. The official sources give a date only, with no time of day or time zone.Class members who do not want to be bound by the settlement must mail a signed exclusion request, postmarked by November 12, 2026, to the settlement administrator at the address listed on the official settlement website. Objections have the same November 12, 2026 deadline and must be filed with the court and sent to class counsel and defense counsel. Anyone who opts out cannot receive a payment or object. OCA’s guide to opting out of a class action explains the trade-off.
How Do You Take Action?
File through the official Travis County PIP Settlement claim portal. The login screen offers three ways in: the Claim Number and PIN from the notice, the Progressive policy number tied to the PIP request, or the Progressive claim number tied to the PIP request. Email notices include a link to a claim form that is already filled in with the class member’s Claim ID.The claim form asks for a payment choice. Digital options such as Zelle or PayPal are available, and a mailed check can be selected when the expected payment is more than $5. One claim form covers every qualifying bill a class member has.
Progressive has a separate open settlement in Colorado over total-loss vehicle valuations; that case is covered in OCA’s Progressive Colorado total-loss settlement page and does not affect eligibility here.
What Happens Next?
The 419th Judicial District Court in Travis County will hold the final approval hearing on December 17, 2026, at 9:00 a.m., to decide whether the settlement is fair, reasonable and adequate. Class counsel will ask for up to $2 million in attorneys’ fees and costs and up to $10,000 for each of the two class representatives; the court may award less.Payments come only after final approval, the claim deadline, and the end of any appeals. Under the settlement agreement, the administrator compiles a list of valid claims after the January 19, 2027 deadline, Progressive has 30 days to challenge individual claims, and payments go out after the remaining approval and review steps. No payment date had been announced as of October 2, 2026.
Sources and Verification
- Travis County PIP Settlement — official settlement website
- Official settlement website — Important Dates
- Official settlement website — Settlement Documents
- Court-authorized Notice and Class Action Settlement Agreement (August 26, 2026), Koetter, et al. v. Progressive County Mutual Insurance Company, Cause No. D-1-GN-18-005132, District Court of Travis County, Texas, 419th Judicial District — embedded below
Questions
Do I have to be the person who bought the Progressive policy?
No. The class is defined by PIP claims, not by who purchased the policy. It covers Progressive PIP claimants under a Texas-based policy whose medical bills meet the timing test, and eligibility is checked against Progressive’s own billing records.
Can I file if I never received an email or postcard notice?
Yes. The online claim portal accepts the Claim ID and PIN from the notice, or the Progressive policy number or Progressive claim number tied to the PIP claim. The name and the email or mailing address entered must match what Progressive had on file when the medical bill was submitted.
Do attorneys’ fees come out of the money for class members?
No. Class counsel may ask for up to $2 million in fees and costs, which counts against Progressive’s $8 million overall cap but not against the separate $6 million cap on class member payments. Notice and administration costs (up to $500,000) and the class representatives’ service awards are also paid separately.
How will the payment be sent?
The claim form asks each claimant to choose a digital payment method such as Zelle or PayPal. A mailed check is available as an option only when the expected payment is more than $5. Checks are valid for 180 days, and uncashed money goes back to Progressive rather than to other class members.
What happens if my claim form is missing information?
If a timely claim does not include enough information to match Progressive’s records, the administrator sends a cure notice and gives the claimant 30 days to fix it. There is only one chance to cure; a claim that is still defective after that is not eligible for payment.
Official Settlement Notice
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Settlement Amount
Up to $6 million for class members
$8 million maximum including attorneys’ fees · claims-made
Case Title
Koetter, et al. v. Progressive County Mutual Insurance Company
Case Number
D-1-GN-18-005132
Court
District Court of Travis County, Texas, 419th Judicial District
Final Approval Hearing
December 17, 2026 at 9:00 AM
Travis County Civil Courthouse, Austin
Administrator
Verita Global
Official Website
Travis County PIP Settlement
