Progressive Paid Your Texas PIP Bills Late? Claim Your 5% Plus Interest by January 19.

If you had a Progressive auto policy in Texas and used your personal injury protection to pay a doctor, chiropractor or ER bill any time since late 2016, Progressive may owe you money on bills it paid late. You have until January 19, 2027 to claim it. The claim takes a few minutes and you don’t need a single receipt.

PIP is the no-fault coverage on a Texas policy that pays your own medical bills after a crash, no matter who caused it. Texas law gives the insurer a hard clock. Under Insurance Code Section 1952.156, PIP benefits are due “not later than the 30th day” after the insurer gets satisfactory proof of the claim.

A group of policyholders sued Progressive County Mutual in Travis County back in 2018, saying it routinely blew through that clock. The case is Koetter v. Progressive County Mutual, cause number D-1-GN-18-005132. Progressive agreed to an $8 million settlement, with up to $6 million set aside for policyholders. The final approval hearing is December 17.

Here’s the catch

The law is tougher than the deal. Section 1952.157 says that if your insurer pays PIP late and you sue, you recover the benefits plus a 12% penalty, interest and attorney’s fees. The settlement pays 5% of each late bill, plus interest at 11.452% a year for the late days.

And it’s claims-made. Only people who file get paid. The settlement administrator sent postcards and emails with a Claim ID and PIN, and the insurer’s bet is the same one every claims-made settlement makes: most of those notices end up in the recycling bin.

The math

Eligibility runs bill by bill, based on when Progressive received each bill and when it printed the original Explanation of Benefits (EOB). The EOB print date has to fall between August 30, 2016 and June 1, 2026.

Bills paid more than 30 days late get the 5% plus interest. Bills paid after 15 business days but inside the 30-day window get interest only. The trackers’ worked example: a $1,000 bill paid 30 days past the deadline is worth $50 plus $9.41 in interest. Run that same formula on five $1,000 bills each paid a month late and you get about $297. If claims top $6 million, everyone’s check gets cut proportionally.

Small? Sure. It’s still your money, and filing is free.

Do this now

Dig out the settlement notice if you got one, by email or postcard. It carries your Claim ID and PIN. No notice? You can still file with your Progressive policy number or a Progressive claim number, which are on your old declarations page or any claim letter.

File online at TravisCountyPIPSettlement.com before January 19, 2027. There’s no paper form. Use the name and address Progressive had on file back when the bill went in.

Only opt out, by November 12, if you plan to sue on your own and have a lawyer who thinks the 12% penalty is worth the fight.

If you’re in a PIP claim right now and the 30 days are up, put it in writing: cite Section 1952.156 and ask for the payment date. Then compare what you’re paying for coverage with our insurance estimator, and see how Texas pricing works on our Texas auto insurance page and our best auto insurance picks.

File the claim. Five minutes, no receipts, and the money’s already set aside.

How Candid Yak makes money. Some of the products we write about pay us if you apply or sign up through our links. That never changes our verdict, our rankings, or the numbers in this article. We call a bad deal a bad deal whether it pays us or not. Some brands shown in our comparison tools are placeholder examples while we finalize partner agreements, and we label them as such.