06/19/2026
🚨 Progressive said this truck could be repaired for **$5,783.86.**
🚨 An independent appraisal process determined it actually required **$21,366.15.**
👇
Same truck.
Same accident.
Same claim.
Same insurance company.
📈 Difference: **$15,582.29**
🤯 Let that sink in for a moment.
The vehicle owner disagreed with Progressive's estimate and invoked the Appraisal Clause contained in Progressive's own policy.
Not a lawsuit.
Not a court case.
A dispute resolution process written into the insurance policy itself.
The result?
✅ Progressive's appraiser reviewed the claim.
✅ The vehicle owner's appraiser reviewed the claim.
✅ An independent umpire reviewed the claim.
🔥 **ALL THREE AGREED.**
💰 Progressive's Final Estimate: **$5,783.86**
💰 Final Appraisal Award: **$21,366.15**
🎨 Progressive's estimate included approximately **$733** in paint materials.
🎨 The final appraisal award included approximately **$2,349** in paint materials.
📄 The documents attached are the actual estimate and the actual appraisal award. Certain information has been redacted for privacy.
**We didn't create these numbers. The appraisal process did.**
📢 You have the right to choose your repair facility.
If this vehicle had remained in the insurance-controlled repair process, repairs would have proceeded based on the **$5,783.86 estimate.**
⚙️ This is the difference between repairing a vehicle to an insurance company's budget and repairing it to manufacturer requirements.
⚙️ **Manufacturer Standards. Not Insurance Standards.**
❓ One question:
If your vehicle manufacturer required **$21,366.15** worth of repairs, but your insurance estimate only allowed **$5,783.86**, which number would you trust?
🔧 Big Chris Collision
⚙️ **Manufacturer Standards. Not Insurance Standards.**
