Understanding how we determine the extent of damage to your vehicle can be pretty daunting. Here’s a quick primer to help you through this process.
How estimates are determined
An estimate is just that—an estimate of the cost involved to repair your vehicle to pre-loss condition. Repair estimates may vary depending on several factors including labor rates, parts, prices and the amount of time necessary to perform certain repairs. Keep in mind, the decision to repair is yours—we’ll write an estimate and work with you regardless of whether or not you’re repairing. See more on how to read your car repair estimate.
The process starts with an initial estimate
This estimate includes all loss related damage that is exposed and can be seen without disassembling your vehicle.
- If you’re repairing your vehicle, we’ll prepare this estimate before repairs get underway. You can choose one of our Service Centers, a repair shop in our network or your own repair shop for repairs. We’ll review the estimate and obtain an agreed price with whichever shop you choose.
- If you’re not repairing your vehicle or are undecided on repairing we’ll prepare this estimate when we complete an inspection of your vehicle. We’ll review the estimate with you and help you decide if you’d like payment for the damages or whether we can assist in managing the repair process for you.
If a shop's estimate is higher or lower than ours, we’ll discuss this difference with the shop, and reach agreement on a price for repairs. We’ll always provide you with a copy of your estimate and review it with you fully. If you need help in decoding your estimate after we’ve talked here’s an overview on how to read your car repair estimate.
We’ll complete a supplemental estimate if needed
If we find additional loss related damage once repairs are underway, we’ll re-inspect your vehicle. Finding additional damage isn’t unusual—a vehicle involved in a loss may have damaged parts that just aren’t visible when the initial estimate is written. We’ll work with you and the shop to update the estimate to include all loss related damage.
If you’re repairing, we have great options to get you back on the road
We’ll help manage the repair process for you from beginning to end. We make things even easier with Progressive Service Centers and our approved network of shops. All you have to do is drop your car off, and we’ll basically handle the rest. We’ll even guarantee your repairs for as long as you own or lease your car. Find a Progressive Service Center.
We’ll also work with any shop you choose to complete repairs. Just call your claim rep to start the repair process. Your rep can also help you with a rental if needed.
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. Coverage is subject to the terms of your policy. Please refer to your policy to verify which coverages you have.