JG, Allstate and Progressive both do it the way I mentioned, Farmers may have their own way. The idea is to put you in pre-loss condition. Not lose money but not make money either.
If you have quotes from dealers that are substantial and not inline with what the carrier offers you can likely call the Texas state insurance commission and they will lean on the carrier to make it right without having out of pocket expense. Worth a try anyway,
Good luck, I’m out
