Progressive vs USAA payout calculation methods when a car is totaled by a text driver while parked on my campus street
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Progressive vs USAA payout calculation methods when a car is totaled by a text driver while parked on my campus street
3 real searches · 1 real-search pass
Progressive total loss actual cash value valuation comparable vehicles settlement process officialGoogle ↗
OBSERVEDComparison
USAA total loss vehicle valuation actual cash value settlement process officialGoogle ↗
OBSERVEDReason
Virginia total loss settlement motor vehicle insurance actual cash value taxes title fees regulationGoogle ↗
OBSERVEDReason
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (3)
Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT3 real searches · gpt-6
Progressive total loss actual cash value valuation comparable vehicles settlement process official Google ↗
USAA total loss vehicle valuation actual cash value settlement process official Google ↗
Virginia total loss settlement motor vehicle insurance actual cash value taxes title fees regulation Google ↗
- Total Loss Claims · progressive.com
- Car Insurance Claims FAQs · usaa.com
- To determine the amount it will offer to pay to satisfy the claim, Progressive uses software it licenses from Mitchell International, Inc. called WorkCenter Total-Loss (WCTL) to generate valuation reports. Doc. 59-1 at ¶¶ 3, 5. Mitchell maintains a database of vehicles recently sold or currently listed for sale and uses these comparator vehicles to estimate the actual cash value of the claimant’s vehicle. Id. at ¶ 5; Doc. 59-2 at ¶ 18. If a comparable vehicle is listed for sale at a dealer that · govinfo.gov
- accident. In each instance, Progressive declared plaintiff’s vehicle a total loss, triggering Progressive’s contractual obligation to pay them the “actual cash value” (“ACV”) of their totaled vehicle. That obligation derives from Progressive’s “Pennsylvania Auto Policy,” which states the ACV is “determined by the market value, age, and condition of the vehicle at the time the loss occurs.” App. 117. · www2.ca3.uscourts.gov
- Code of Virginia Code - Chapter 16. Salvage, Nonrepairable, and Rebuilt Vehicles · law.lis.virginia.gov
- 14VAC5-400-80. Claims settlement standards applicable to automobile insurance. · law.lis.virginia.gov
- Virginia SCC · scc.virginia.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Progressive total loss actual cash value valuation comparable vehicles settlement process official OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 | |
USAA total loss vehicle valuation actual cash value settlement process official OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
Virginia total loss settlement motor vehicle insurance actual cash value taxes title fees regulation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |