Before any repairs for your car start, we’ll first complete an estimate. It’s a pretty quick process, and we do this to make sure you have a general idea for how much the repairs cost and if applicable, what you may have to pay out of pocket. 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. See more on how to read your car repair estimate.
The decision on whether to repair is yours—and it’s OK to not repair
If you don’t own your vehicle—check with your lienholder or leasing company before making a decision. In order to protect their interest, they may require that you repair.
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 our approved network of shops. If you choose to have a network shop complete the repairs, we’ll even guarantee your repairs for as long as you own or lease your car.
If you already have a go-to repair shop that's outside our network, you can use them too. In fact, we’ll work with any shop you choose to complete repairs. Just call your claim rep to start the repair process, and we’ll help schedule repairs anywhere you’d like. Your rep can also help you with a rental if needed.
Still have questions? See answers to common customer questions
What does my estimate include?
Your estimate includes all loss related damage that can be identified during the inspection. If additional loss-related damage is found during the repair process, we’ll re-inspect your vehicle. We’ll work with you and the shop to update the estimate if needed.
What happens after I get my estimate?
The decision on whether to repair is yours—and it’s OK to not repair. We can help you decide whether you’d like to receive a payment for the damages or if we can assist in managing the repair process for you.
If you’re ready to start repairs, you can choose an approved shop in the Progressive Network or any other shop you’d like. We’ll manage the repairs from start to finish. We can get the repair process started right away or at a time that’s convenient for you. You can also choose any shop you prefer—just let us know so we can review the estimate with the shop and issue payment to the shop directly.
What type of parts are considered in the estimate?
The replacement parts written on the estimate are intended to return your vehicle to its pre-loss condition with proper installation. In fact, we'll guarantee this. After repair, if any sheet metal or plastic body part included in the estimate fails to return your vehicle to its pre-loss condition (assuming proper installation), in terms of form, fit, finish, durability or functionality, Progressive will arrange and pay for the replacement of the part to the extent not covered by a manufacturer's or other warranty. This service will be performed at no cost to you (including associated repair and rental car costs). This Guarantee applies as long as you own or lease the vehicle. This Guarantee is not transferable and terminates if you sell or otherwise transfer your vehicle. To obtain service under this Guarantee, call your claim rep or Progressive at 1-800-274-4641. Your estimate may include replacement parts from a source other than your vehicle’s manufacturer.
What portion of the damage am I responsible for?
If you’re a Progressive policyholder, Progressive will cover the cost of repairs related to the loss above your deductible. If you choose to repair your vehicle, you’ll owe your deductible when repairs are complete. Your deductible is the amount you agreed to pay if your vehicle gets damaged in a loss. We’ll review your deductible with you, and you can also find it in your policy documents or online account.
If you aren’t a Progressive policyholder and choose to have your vehicle repaired, you typically won’t have any out-of-pocket expense. There are some scenarios where you may owe for a portion of the damages—your estimator will let you know if you owe anything.
What if I have a lease or finance my vehicle?
If you have a lienholder on your vehicle, any payment we issue to you may include you and the lienholder as payees. If you choose not to repair, contact your lienholder to determine what you need to do to cash the payment. If you plan on repairing 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. Let us know if you plan on repairing at a facility that’s not in our network, so we have the information we need to issue payment directly to that shop.
*If you’re a Progressive policyholder, your rental may be covered depending on your policy coverages and the circumstances of your claim.
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.