Total Loss Concierge Service
With Total Loss Concierge, we help you find a replacement car, and we even can help you with vehicle financing.
Most insurance companies hand you a check when your car is totaled. Progressive understands that, while you need the check, you also need another car. So, we've designed our Total Loss Concierge service — available only from the Progressive Group of Insurance companies — to help get you into a replacement car quickly.
How Total Loss Concierge Works
If you have a claim that's handled by Progressive and your vehicle can't be repaired,
we'll offer you the choice to use Total Loss Concierge or to find a vehicle yourself.
Either way, we'll pay you your vehicle's actual cash value.
If you choose to use the Total Loss Concierge service, a concierge specialist will
be assigned to you to find out exactly what type of vehicle you're looking for,
including make, model, color, year and price range. Your specialist will even ask
you how you'd like to finance the vehicle.
Once we know what you're looking for, we get to work contacting a carefully chosen
network of dealers and lenders with proven track records for great service and good
values. You'll receive priority treatment from them because we're referring you,
too.
Network dealers and lenders will work directly with you, but your concierge specialist
will always be available to answer questions or provide additional information.
The dealers will find cars that meet as many of your specifications as possible
— they'll even arrange test drives for you. If you like a vehicle and need
assistance with financing, the network of lenders will get to work right away to
help you with that, too.
In most cases, we've found cars that meet customers' needs within six days.
No Charges to Use It
We don't charge you to use the Total Loss Concierge service. Plus, if you don't
like the cars we find, you are under no obligation to buy them.
When you choose this service, you'll receive personal attention from a concierge
specialist, as well as from our network of dealers and lenders who are known for
providing good value and great service.
Options to Buy or Finance
Once you pick your replacement car, our network of lenders can help you choose how
to buy or finance it. Remember, the amount you receive as a settlement from your
totaled car is yours to keep. If the network of dealers finds you a car that costs
less, you keep the difference. If the network finds you a car that is more than
your settlement, you can work with the Progressive network of lenders to arrange
financing or find financing on your own.
If you still owe money on your totaled car, our pre-approved network of lenders
can help. Just let your concierge specialist know about your situation.
We work with a network of direct-to-consumer lenders who can help you get competitive
interest rates. Your concierge specialist will help you submit applications to multiple
lenders to get you the most competitive rates available through our Total Loss Concierge
service.
The Help You Need ... When You Need It Most
We understand that replacing a totaled car can be stressful. Total Loss Concierge
is just one way we can help make things easier for you.
Please Note: Some services described above are only available to
customers who purchased coverages such as Comprehensive, Collision, Rental Reimbursement,
Medical Payments, etc., before their loss. Our services will vary and may not be
available in all states or situations. Coverage is subject to the terms of your
policy. Please refer to your policy to verify which coverages you have.
Progressive is not a lender, does not make loans or credit decisions, and does not
endorse, recommend or favor the products of any particular lender. This program
is not intended to be your only source of financing and you may wish to seek other
available credit. We cannot guarantee that you will get a loan using the Total Loss
Concierge program. Progressive does not charge fees to you for assisting with vehicle
financing, but we may receive compensation from lenders for our services.
