I think many of these reviewers don't understand how insurance works. If no payment was made even after the person admitted fault, consider the fact that person may not actually have insurance coverage such as being an excluded driver or cancelled policy. Injury claims are never paid till treatment is finished and they reviewed using AMA guidelines. A total loss means that it costs more to repair the car than it is worth. Total loss costs always consider salvage/recouping, so estimate around 80% of value then it is a total. Of you owe more on a car than it is worth then get gap insurance to cover what you owe. Progressive follows insurance commissioner standards for allowable parts. The estimates written in the field are just that, initial. They will be supplemented when and if your vehicle ever gets to a shop and more damage is found.