I hit a deer in Nov 2010 and most of the damage was on the passenger side fo the vehicle but no airbags were deployed and I was able to drive away from the scene. Progressive evaluated the vehicle and decided it was a total loss. I had GAP Insurance besides Progressive so I thought I was covered. When it was all said and done, there was a difference of almost $1,600 on the vehicle that I am responsible for paying. GAP valued my car using blue book value and Progressive valued it based on "market research". GAP would not pay out the full value cause they believed Progressive undervalued the vehicles worth. In my opinion this is subjective and you can find whatever evidence you need to justify a lower value on a vehicle rather than using the industry standard NADA values. I called Progressive and they said the payment was already made so wouldn't be able to reevaluate. It went up to a manager and I was suppose to hear back that day and never received any call back. So what I have learned from the experience is to ask how insurance companies value a vehicle cause it could end up costing you thousands in the difference.