Progressive totaled my car what do I do?

  • Thread starter Thread starter Meko
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Meko

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Hello,

I was recently involved in a minor car accident, a Progressive customer hit the back of my car. At a glance you would only assume the damage was aesthetic, My car still drove perfectly. When Progressive took the car for repairs they claimed the cost of repairs was more than the value of the car and declared my car totaled. They offered Nada Blue Book value of the car to me, the amount was not enough to get my back into the status I was before the accident, but enough get me going. I wasn't happy with this outcome at all but it was the best outcome I was going to get. Progressive later called me to find out I was getting less than what was offered due to a previous salvage the car had on its title. To wrap things up, I am loosing my car due to an accident that I was not at fault and Progressive is giving me barely enough for me to get back in the same situation, Causing me to loose a reliable car I felt would have lasted a few more years before its end.

I am aware that Progressive is doing everything by book (well I assume). Do I have any options? Is there some way to work around this situation? All I am interested is getting back to where I was before the accident.

There are more details to this situation, if you have any questions please feel free to ask

I appreciate any help and thanks ahead for taking the time to read this.
 
let say by progressive's standards your car is worth $2,500 but the repairs is going to cost $3,000. From what i understand progressive will pay the $2,500 and nothing more. They should be willing to give you the $2,500 and they own your car. Or they can give you the $2,500 and you can buy it back for something like $600 and progressive will give you the remaining $1,900 you can now shop around a find a cheaper price for the repairs and keep the rest of the money. When body shops know the repair is going to be an insurance claim they charge alot more. but when someone is just going in on their own the cost will be less. Something like this happen to me. I just drove the car with the damages and bought me a big screen TV with the $1,900
 
Talk to a body shop...I was rear-ended recently, and the damage was enough to total my car, but the body shop guy offered me a choice:

a "salvaged" bumper (from a junkyard, repainted, in like-new condition, same warranty as OEM) brought the repair cost down below the value. Like you, I really wanted to keep the car, so that's what we did.

Another thought: now Progressive owns the car, presumably they'll sell it for some "salvage value". make an offer.
 
Talk to a body shop...I was rear-ended recently, and the damage was enough to total my car, but the body shop guy offered me a choice:

a "salvaged" bumper (from a junkyard, repainted, in like-new condition, same warranty as OEM) brought the repair cost down below the value. Like you, I really wanted to keep the car, so that's what we did.

Another thought: now Progressive owns the car, presumably they'll sell it for some "salvage value". make an offer.
 
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