Progressive deemed my 2021 Ford Escape a total loss for mostly cosmetic damage. I still owe Santander approximately $18,000 on the vehicle. I do have GAP coverage. However, I want to retain my vehicle and pursue the repairs elsewhere. Is any of this possible? I’ll attach a photo in the comments.
Progressive deemed my car a total loss. Can I withdraw the claim and take my vehicle elsewhere?
byu/mullerel inInsurance
Posted by mullerel
11 Comments
https://preview.redd.it/1anyicze9tld1.jpeg?width=4284&format=pjpg&auto=webp&s=525b627e45555aa383b36d431a36ce7d135c35b2
Buy it back for salvage and fix it. But be damn sure nothing moves under there.
Did the airbag deploy? That alone will set you back about 10-12k for the bags and sensors. Let the insurance pay the bank, go get a new car. You’ll be much happier in the long run.
Since Santander owns the car, you don’t really have a choice. Progressive will not pay for repairs, they’ll only cut a check for a total loss, and the total loss check will go to Santander.
And judging by the picture, there’s likely more damage underneath that you can’t see. You have GAP coverage, so I would just accept the total loss and find a new car.
No. You don’t own it so you technically have no say. Smart to have GAP though.
So you want to repair it out of pocket? Because if you are going through insurance, it doesn’t matter where you take it, Progressive will still be the ones completing the inspection and confirm it’s totaled. Once a vehicle is deemed totaled, it cannot be undone and your lien holder will find out and they will move forward with a paper repossession if you don’t cooperate with the insurance company.
No
Yeah no there isn’t a way because you don’t own the car
Santander does and what was the total loss settlement offers given by your insurance
There should be a retain and non retain offer
You’re only hope is if Santander allows you/gives in writing they will let you retain the vehicle but if you are negative equity
Meaning your settlement offer is less than the outstanding loan they aren’t going to allow it
No. You don’t actually own the car, your lean holders does.
Just dealt with this a month ago with progressive. The wheels were stolen on my almost brand new civic, and the car was rained on inside from the guy breaking my window to get the key lock for the rims.
Dealership said they had to replace the interior from the water damage and some underside parts had to be replaced since they sat on the asphalt.
Since this went over 10k or more in damages, progressive decided to mark it a loss.
I was offered to continue repairs with the current estimate but they wouldn’t cover it if more supplemental was needed. Obviously I didn’t do that and took the payment.
I would suggest just taking the payout and using it for a down payment on a new car.
Only possible to retain the car when you own it outright. Not an option when you have a loan because the vehicle was never yours.