Reclamaciones De Seguros De Automóviles De Progressive En Charlotte, NC

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Reclamaciones De Seguros De Automóviles De Progressive En Charlotte, NC

¿QUÉ HAY EN ESTA PÁGINA?

Cuando ocurre un accidente automovilístico en Charlotte, es muy probable que deba presentar un reclamo por los daños a su automóvil o por las lesiones que sufrió en el accidente. Una compañía de seguros que maneja una gran cantidad de reclamos en Charlotte es Progressive Insurance. Progressive puede tener anuncios divertidos en la televisión, pero no siempre son divertidos ni fáciles de manejar cuando se trata de hacer un reclamo.  

Las compañías de seguros ganan dinero recibiendo más dólares en primas de los que pagan en reclamaciones. El trabajo del ajustador es minimizar la cantidad que le pagan por su reclamo.  

Si ha tenido un accidente en Charlotte, los abogados de las Oficinas Legales de Jason E. Taylor pueden explicarle sus derechos y ayudarlo a maximizar su recuperación por las lesiones y daños que sufrió. 

Razones comunes por las que Progressive Insurance niega reclamaciones

Progressive es una de las compañías de seguros más grandes de Estados Unidos. Cuando se presenta un reclamo, Progressive puede aceptar la responsabilidad por todo o parte de sus daños o puede rechazar el reclamo y no pagarle nada. Saber que Progressive denegó su reclamo es alarmante, especialmente cuando sus facturas y costos médicos se acumulan. 

Una denegación puede hacerle sentir que no hay nada más que pueda hacer para recuperar una compensación por sus daños. En las Oficinas Legales de Jason E. Taylor, nuestros abogados experimentados pueden investigar más a fondo para determinar si hay una manera de presentar evidencia suficiente para cambiar la opinión del ajustador y revertir la denegación anterior de su reclamo por parte de la compañía de seguros. Las principales razones por las que se rechazan las reclamaciones pueden incluir las siguientes:

  1. Usted tuvo la culpa : en Carolina del Norte, si la compañía de seguros puede demostrar que usted contribuyó al accidente con sus propias acciones, entonces no podrá recuperar nada según la doctrina de negligencia contributiva. Esto es cierto incluso si su nivel de culpa es menor en comparación con la culpa del otro conductor. Cosas como exceso de velocidad o problemas menores a menudo se utilizan para intentar rechazar reclamos. A veces, estas negaciones pueden revertirse mediante el testimonio favorable de testigos presenciales, por lo que es importante contratar a un abogado para investigar el reclamo. 

2. Clientes involucrados en actividades ilegales : según la ley de Carolina del Norte, Progressive y otras aseguradoras no tienen que pagar reclamaciones por daños cuando los conductores participan en actividades ilegales cuando ocurre el accidente. Progressive puede negar legalmente reclamos cuando los conductores violan los términos de su contrato de seguro o violan la ley estatal. 

Otras razones por las que Progressive puede negar su reclamo

Progressive también podrá denegar reclamaciones cuando:

  • El accidente no fue reportado de inmediato a Progressive ni a la policía.
  • La información fue tergiversada intencionalmente o no al obtener una cotización 
  • El herido no buscó atención médica tras el accidente. Esto les da a las aseguradoras una razón para creer que las lesiones no fueron causadas por el accidente. 

Conformarse con Progressive

Si Progressive ha negado su reclamo o no le ofrece un acuerdo justo por sus daños, entonces tiene la opción de presentar una demanda. Si su reclamo ha sido denegado, entonces debe consultar con un abogado para determinar si hay evidencia que respalde la presentación de una demanda para responsabilizar a Progressive.

Si se hace una oferta de acuerdo y usted la acepta, perderá el derecho a reclamar daños y perjuicios por cualquier cosa que suceda en el futuro. Los acuerdos están destinados a ser una resolución completa y definitiva del asunto, por lo que debe asegurarse de haber tenido en cuenta todas sus lesiones y daños cuando llegue a un acuerdo en su caso.

Un abogado experimentado puede asegurarse de que todos los gastos médicos pasados, presentes y futuros se contabilicen en el acuerdo. En Las Oficinas Legales de Jason E. Taylor, lo ayudaremos a determinar si tiene un caso válido para una compensación y elaboraremos estrategias con usted para encontrar la mejor manera de obtener una compensación para su caso.

Los abogados experimentados de las oficinas legales de Jason E. Taylor saben cómo negociar con Progressive Insurance

Los abogados de las Oficinas Legales de Jason E. Taylor saben cómo negociar con Progressive Insurance y conseguirle la compensación que se merece. Tenemos las habilidades y los recursos para negociar exitosamente con Progressive Insurance y trabajaremos arduamente para conseguirle un acuerdo justo. Si resultó lesionado en un accidente con un conductor asegurado por Progressive y está buscando una compensación por sus lesiones, comuníquese hoy con nuestros abogados de accidentes automovilísticos de Charlotte para una consulta gratuita.

301 S McDowell St #1016
Charlotte, NC 28204

Teléfono: (704) 676-1093
Número gratuito: (800) 351-3008

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120 3rd St NE
Hickory, NC 28601

Teléfono (828) 327-9004
Número gratuito: (800) 351-3008

301 S McDowell St #1016
Charlotte, NC 28204

Teléfono: (704) 676-1093
Número gratuito: (800) 351-3008

130 Church St NE
Concord, NC 28025

Teléfono: (704) 787-9419
Número gratuito: (800) 351-3008

1348 Ebenezer Rd Suite 103
Rock Hill, SC 29732

Teléfono: (803) 980-5300
Número gratuito: (800) 351-3008

The Law Offices of
Jason E. Taylor, P.C.
Charlotte Injury Lawyers & Attorneys at Law

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Notice of Data Security Event
Updated March 28, 2025

The Law Offices of Jason E. Taylor is providing notice of an event that may affect certain individuals’ information. Although we have no indication of identity theft or fraud in relation to this event, we are providing information about the event, our response, and additional measures individuals can take to help protect their information, should they feel it appropriate to do so.

What Happened? On October 28, 2024, The Law Offices of Jason E. Taylor identified suspicious activity related to our email system. We quickly took steps to investigate and determined that an unknown actor may have accessed certain emails within our email system between August 7 and November 7, 2024. We then conducted a comprehensive review of the potentially affected emails and attachments to determine what information was contained therein and to whom the information related, which was completed on February 25, 2025. Unfortunately, we were unable to verify the addresses of certain affected individuals, so we are providing this notice to ensure potentially affected individuals receive information about the event.

What Information Was Involved? The information affected may include individuals’ Social Security number, driver’s license and state ID information, financial account number, and health information.

What We Are Doing. We are notifying individuals about this matter and providing guidance about free resources that are available to assist with monitoring relevant accounts, credit reports, and how to place a fraud alert or security freeze on one’s credit file. Further, as with our typical security practices, we will continue to evaluate our policies, procedures, staff training, and technical security measures to reduce the likelihood of an event like this reoccurring.

What Individuals Can Do. We encourage you to remain vigilant against incidents of identity theft and fraud by reviewing your account statements and monitoring your free credit reports for suspicious activity and to detect errors. We also recommend you review the below “Steps Individuals Can Take To Help Protect Personal Information”.

For More Information. If individuals have questions about this matter, we have a dedicated assistance line with agents ready to answer their questions. Please contact our toll-free dedicated assistance line at 1-800-939-4170, Monday through Friday from 9 a.m. through 9 p.m., excluding holidays. You may also write to us at The Law Offices of Jason E. Taylor, Attn: Compliance, P.O. Box 2688, Hickory, NC 28603.

Sincerely,

The Law Offices of Jason E. Taylor

STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT PERSONAL INFORMATION

Monitor Your Accounts

Under U.S. law, a consumer is entitled to one free credit report annually from each of the three major credit reporting bureaus, Equifax, Experian, and TransUnion. To order a free credit report, visit www.annualcreditreport.com or call, toll-free, 1-877-322-8228. Consumers may also directly contact the three major credit reporting bureaus listed below to request a free copy of their credit report.

Consumers have the right to place an initial or extended “fraud alert” on a credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If consumers are the victim of identity theft, they are entitled to an extended fraud alert, which is a fraud alert lasting seven years. Should consumers wish to place a fraud alert, please contact any of the three major credit reporting bureaus listed below.

As an alternative to a fraud alert, consumers have the right to place a “credit freeze” on a credit report, which will prohibit a credit bureau from releasing information in the credit report without the consumer’s express authorization. The credit freeze is designed to prevent credit, loans, and services from being approved in a consumer’s name without consent. However, consumers should be aware that using a credit freeze to take control over who gets access to the personal and financial information in their credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application they make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. Pursuant to federal law, consumers cannot be charged to place or lift a credit freeze on their credit report. To request a credit freeze, individuals may need to provide some or all of the following information:

1. Full name (including middle initial as well as Jr., Sr., II, III, etc.);
2. Social Security number;
3. Date of birth;
4. Addresses for the prior two to five years;
5. Proof of current address, such as a current utility bill or telephone bill;
6. A legible photocopy of a government-issued identification card (state driver’s license or ID card, etc.); and
7. A copy of either the police report, investigative report, or complaint to a law enforcement agency concerning identity theft if they are a victim of identity theft.

Should consumers wish to place a credit freeze or fraud alert, please contact the three major credit reporting bureaus listed below:

Equifax Experian TransUnion
https://www.equifax.com/personal/credit-report-services/ https://www.experian.com/help/

https://www.transunion.com/credit-help
1-888-298-0045 1-888-397-3742 1-800-916-8800
Equifax Fraud Alert, P.O. Box 105069 Atlanta, GA 30348-5069 Experian Fraud Alert, P.O. Box 9554, Allen, TX 75013 TransUnion Fraud Alert, P.O. Box 2000, Chester, PA 19016
Equifax Credit Freeze, P.O. Box 105788 Atlanta, GA 30348-5788 Experian Credit Freeze, P.O. Box 9554, Allen, TX 75013 TransUnion Credit Freeze, P.O. Box 160, Woodlyn, PA 19094

Additional Information

Consumers may further educate themselves regarding identity theft, fraud alerts, credit freezes, and the steps they can take to protect their personal information by contacting the consumer reporting bureaus, the Federal Trade Commission, or their state attorney general. The Federal Trade Commission may be reached at: 600 Pennsylvania Ave NW, Washington, DC 20580; www.identitytheft.gov; 1-877-ID-THEFT (1-877-438-4338); and TTY: 1-866-653-4261. The Federal Trade Commission also encourages those who discover that their information has been misused to file a complaint with them. Consumers can obtain further information on how to file such a complaint by way of the contact information listed above. Consumers have the right to file a police report if they ever experience identity theft or fraud. Please note that in order to file a report with law enforcement for identity theft, consumers will likely need to provide some proof that they have been a victim. Instances of known or suspected identity theft should also be reported to law enforcement and the relevant state attorney general. This notice has not been delayed by law enforcement.

For District of Columbia residents, the District of Columbia Attorney General may be contacted at: 400 6th Street, NW, Washington, DC 20001; 1-202-442-9828; and oag.dc.gov.

For Maryland residents, the Maryland Attorney General may be contacted at: 200 St. Paul Place, 16th Floor, Baltimore, MD 21202; 1-410-576-6300 or 1-888-743-0023; and https://www.marylandattorneygeneral.gov/.

For New Mexico residents, consumers have rights pursuant to the Fair Credit Reporting Act, such as the right to be told if information in their credit file has been used against them, the right to know what is in their credit file, the right to ask for their credit score, and the right to dispute incomplete or inaccurate information. Further, pursuant to the Fair Credit Reporting Act, the consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information; consumer reporting agencies may not report outdated negative information; access to consumers’ files is limited; consumers must give consent for credit reports to be provided to employers; consumers may limit “prescreened” offers of credit and insurance based on information in their credit report; and consumers may seek damages from violators. Consumers may have additional rights under the Fair Credit Reporting Act not summarized here. Identity theft victims and active-duty military personnel have specific additional rights pursuant to the Fair Credit Reporting Act. We encourage consumers to review their rights pursuant to the Fair Credit Reporting Act by visiting www.consumerfinance.gov/f/201504_cfpb_summary_your-rights-under-fcra.pdf, or by writing Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave NW, Washington, DC 20580.

For New York residents, the New York Attorney General may be contacted at: Office of the Attorney General, The Capitol, Albany, NY 12224-0341; 1-800-771-7755; or https://ag.ny.gov.

For North Carolina residents, the North Carolina Attorney General may be contacted at: 9001 Mail Service Center, Raleigh, NC 27699-9001; 1-877-566-7226 or 1-919-716-6000; and www.ncdoj.gov.

For Rhode Island residents, the Rhode Island Attorney General may be reached at: 150 South Main Street, Providence, RI 02903; 1-401-274-4400; and www.riag.ri.gov. Under Rhode Island law, individuals have the right to obtain any police report filed in regard to this event.
STEPS INDIVIDUALS CAN TAKE TO HELP PROTECT A MINOR DEPENDENT’S PERSONAL INFORMATION

Typically, credit reporting agencies do not have a credit report in a minor’s name. To find out if a minor has a credit report or to request a manual search for a minor’s Social Security number each credit bureau has its own process. To learn more about these processes or request these services, consumers may contact the credit bureaus by phone, writing, or online:
Equifax Experian TransUnion
https://www.equifax.com/personal/help/article-list/-/h/a/request-child-credit-report/
https://www.experian.com/help/minor-request.html
https://www.transunion.com/fraud-victim-resources/child-identity-theft

1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 105788
Atlanta, GA 30348-5788 P.O. Box 9554
Allen, TX 75013 P.O. Box 2000
Chester, PA 19016

To request information about the existence of a credit file in a minor’s name, search for a minor’s Social Security number, place a security freeze or fraud alert on a minor’s credit report (if one exists), or request a copy of a minor’s credit report consumers may be required to provide the following information:
● A copy of their driver’s license or another government issued identification card, such as a state identification card, etc.;
● Proof of address, such as a copy of a bank statement, utility bill, insurance statement, etc.;
● A copy of the minor’s birth certificate;
● A copy of the minor’s Social Security card;
● The minor’s full name, including middle initial and generation, such as JR, SR, II, III, etc.;
● The minor’s date of birth; and
● The minor’s previous addresses for the past two years.

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