Does Progressive pay me or the Body Shop?
If you choose not to repair the automobile, contact your lienholder for how to receive payment. If you plan on making repairs through an approved shop in the Progressive network, we'll pay the shop directly, so there's no need to include a lienholder on the payment.
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Can you negotiate a deductible with a body shop?
Can an auto body shop waive a deductible? The short answer is yes. After all, it is an agreement between a body shop and a private party.
How does Progressive determine if a car is totaled?
Generally, a vehicle is a total loss when the cost to return it to its pre-loss condition is greater than the value of the vehicle. And, in some states, a vehicle may be a total loss if the repair costs would exceed a percentage (e.g., 80%) of the vehicle's value.
Can you negotiate with Progressive on car insurance?
Before you accept the first offer, you should know that you can negotiate the amount. Never accept the first offer. The first step will be to understand how much your car is worth.
Does insurance pay you or the shop?
You can usually choose whichever repair shop you like, but if you go with a preferred shop, your insurance company will likely pay the repair shop directly. In other words, you'll never receive an actual car insurance claim check; you'll only be responsible for paying your deductible to the mechanic.
How does Progressive pay out?
We pay you its actual cash value — which is the market value of your vehicle based upon several factors, such as its pre-loss condition, age, options, mileage, etc. — minus any applicable deductible if you're Progressive insured. We work with a third-party to help determine the actual cash value.
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How long does Progressive take to pay out?
In general, Progressive responds to demand packages in an average of thirty days. Considering this, it can take a few months to begin the negotiation process after initially filing your claim with an experienced attorney.
Is Progressive good about paying claims?
Based on our survey data, Progressive does not compare well to other insurance companies. It scored poorly for customer service, claims handling, and customer loyalty. Premiums are marginally less than the national average.
How do you negotiate with a body shop?
- Understand the issue. There's a difference between feeling like the mechanic's estimate is too high, and knowing so. …
- Leverage the facts. …
- Get quotes from the competition. …
- Offer to provide the parts yourself. …
- Get car repair financing.
How can I get around paying my deductible?
What To Do If You Can't Afford Your Car Insurance Deductible. If you want to file a claim but cannot pay your deductible, you have a few options. You can set up a payment plan with the mechanic, put the charge on a credit card, take out a loan, or save up until you can afford the deductible.
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Can you waive a deductible?
A deductible is part of your home insurance policy. It's illegal for contractors to waive your deductible or help you avoid paying it.
What happens if the cost of repair is more than the deductible?
What if my car insurance deductible costs more than my repairs? If your auto insurance deductible is higher than the cost of the damage to your vehicle, you'll pay for the entire cost out of pocket as the insurer only covers damages above your deductible amount. In these cases, you may not need to file a claim.
How does insurance determine if a car is a total loss?
A car is considered to be a total loss when the overall cost of damages approaches or exceeds the value of the car. Most insurance companies determine a car to be totaled when the vehicle's cost for repairs plus its salvage value equates to more than the actual cash value of the vehicle.
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What determines a car is totaled?
A car is generally considered totaled when the cost to repair the car exceeds the value of the car.
Is progressive good at paying claims?
Based on our survey data, Progressive does not compare well to other insurance companies. It scored poorly for customer service, claims handling, and customer loyalty. Premiums are marginally less than the national average.
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Is Progressive hard to deal with?
As we talk about above, we think Progressive is one of the worst insurance companies to deal with on personal injury claims. This is a company that is very likely to make you file a lawsuit. But a lawsuit almost invariably softens this insurance company's resolve.
Can car insurance be negotiated?
Can You Negotiate Car Insurance Rates? The simple answer is that you cannot negotiate rates since prices and the insurance industry are heavily regulated by each state. The insurer cannot change its range of rates without a state review along with proof that the change is needed.
Is Progressive fair with claims?
Based on our survey data, Progressive does not compare well to other insurance companies. It scored poorly for customer service, claims handling, and customer loyalty. Premiums are marginally less than the national average.
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Why does Progressive charge so much?
Progressive is so expensive because car insurance is expensive in general, due to rising costs for insurers. But at $649 per year, the average Progressive car insurance policy is actually less expensive than coverage from most competitors.