u/CartoonistMedical310

I was recently hit by another driver in Arizona. She was entirely at fault, acknowledged fault at the scene, and the responding officer also stated she was at fault. We both have Progressive.

My car is a 2013 Toyota Prius c with ~115,000 miles, no previous issues, and was in good condition. I still owe about $11,000 on the loan and do NOT have GAP insurance. (Stupid. I know. I thought I had it through the dealer but turns out I don’t)

Progressive is now saying they want to total my car based on photos without even doing an actual repair estimate. The body shop I took it to says the damage appears to be mainly the front bumper, right fender, and right headlight.

I want to fight the total-loss decision and have the car properly inspected/estimated before they total it. I’m worried that if they value it below my $11k loan balance, I’ll be stuck paying the difference.

My passenger was also injured. She had a migraine and whiplash after the accident and is now experiencing soreness. She called Progressive to report it, but they told her they had no questions for her and haven’t contacted her about the injury claim.

I’m looking for advice from anyone who has dealt with Progressive/AZ insurance and a total-loss dispute.
Can I push them to get an actual repair estimate before totaling the car? How can I challenge their valuation if they total it? And what should my passenger do regarding her injury claim?

Long story short I had to order a new car hood from Toyota because mine got dented. I’m going to need somebody to paint the hood, preferably a close match to the rest of my car. I’m not very picky on that because I’m getting it wrapped after summer. Does anybody know someone that would be able to take the new hood and paint it for me before I put it on my car?