I was recently in an accident. I had hit a deer, dented my hood, and broke a headlight. When I made the claim to Progressive, they told me I had totaled my car. I had full coverage on my car because I had a lease on it. My loan company told me I could NOT keep my car because my insurance company told them it was TOTALED! So now I am out of a car and owe both my insurance company money and the loan company money for a car that I can't keep.