So, here is my final takeaway. RV totaled. Had very good insurance through Progressive. Paid off my old RV loan. Provided 20% more $$ for total replacement above what I actually paid for totaled unit. Ordered new class A, took a few months but we picked it up yesterday. Progressive provided $22,400.00 for down payment. My new ins.. premium $50.00 more annually for same coverage. Something finally went my way and I am very pleas with the way Progressive handled it. So…. Big shout out to the insurance company.