Progressive’s standard-form Indiana auto coverage guarantees to cowl “sudden, direct and unintentional loss” from collisions, as much as the automotive’s “precise money worth … on the time of the loss decreased by the relevant deductible.” The coverage additionally states that “precise money worth is set by the market worth, age, and situation of the automobile on the time the loss happens” and permits Progressive to make use of estimating or appraisal methods, together with third-party software program, to help in figuring out loss quantities.
