Hey everyone, I had a question regarding auto insurance with Progressive. They sent me a memo via email and asked me to call them about folks under the same roof as me not under my insurance. I called them and explained that I declined coverage for all my family members under my roof, for the have their own insurance. They said I still need to "pay" to have them declined under my coverage. I asked the girl over the phone why I need to pay to decline them coverage on my policy. She said it's in case they're passengers. So let me get this straight, they want me to pay $93+ to state all my parents and siblings are declined on my policy? Even though NO ONE drives my vehicle. Is this legal? They said they're mailing me a document via mail for me to sign and get back to them to continue coverage.

Hoping someone could possibly shed a little light on my situation. My daughter wrecked her car in front of our house on March 2nd. On March 5th Progressive sent the tow truck to retrieve the vehicle which they towed to an IAA auction yard to have it appraised. The appraiser went on the 7th. I spoke with someone from progressive on the 8th who needed to verify a few things. She said something about it being a total loss which at that time I didn’t know, which apparently she thought I had already been contacted. I told her I hadn’t so she said well I’ll just go over it real quick even though this isn’t my department. She said that it was a deemed a total loss and they valued my car at $8200 something (I don’t really remember the exact number) Little lower than I expected but okay. Anyway I logged into the app to check the status of the claim and I do see it’s a total loss but the only thing I see is the appraisers repair estimate for $8289 and the deduction for the deductible. Is that what they are actually valuing the car at? Or is that simply a repair estimate? We still owe on the car so I’m trying to plan accordingly. I’ve contacted our adjuster but have left messages with no return call as of yet.