2020 Ford Explorer

The ledger above is Progressive’s own Estimate Totals block, transcribed. 40.0 hours of body, refinish and glass labor at $56.00, plus one mechanical hour at $100.00, comes to $2,340.00. Parts are $2,802.72, paint materials $543.60 against the 15.1 refinish units at $36.00 a unit, and $4.00 of other additional costs. Tax is $366.43 on a $5,690.32 taxable base. That is $6,056.75 gross, and the document deducts $500.00 from it.

THE TAX ON THIS DOCUMENT IS TIERED, and it is worth pointing at because it is a thing the industry mostly gets wrong quietly. Mitchell prints 6.5000% and 6.0000% as two separate rows against every section, because Florida charges the county surtax only on the first $5,000. The profile stamped in the footer is FL ORL 6 5. Read as a flat 6.5% the same job comes out $3.55 high, which is small until it is every estimate. This is the third carrier document in the corpus to confirm the tiering, and it is why the product computes tax per tier and rounds each one rather than rounding the sum.

Progressive holds $56.00 across body, refinish AND glass on this document. That is worth saying because a carrier suppressing a rate would not then allow $100.00 an hour on the one mechanical hour, and on the 2017 Boxster elsewhere on this site the same carrier allowed the shop’s own $225.00 mechanical rate without argument. The $56.00 is a position on body labor specifically, not a blanket.

Category by category, the estimator against the carrier: body 18.6 hours against 23.1, refinish 9.3 against 15.1, mechanical 3.5 against 1.0, and glass 0.0 against 1.8. Labor finished 13.5 percent under, parts 14.4 percent under, paint materials 40.1 percent under. The total being within 16.5 percent is partly those errors pointing the same way and partly two of them cancelling, and it is published with the rows visible for exactly that reason. A close total over a wrong breakdown is the failure this page exists to make visible, not to hide.

THE GLASS ROW IS THE FINDING, and it is not an isolated one. The reference index the estimator consults for the operations that come off a car to reach the damage is built from 306 lines across 52 carrier documents, and it publishes 22 items. Glass and windshield removal is not one of them: there are zero documents behind it. On 2026-09-30 a different shop ran a high-roof cargo van through the estimator on a crushed roof; the estimator’s own notes said the front header had to align to the windshield sealing flange, and its line list contained no glass hours at all. Two vehicles, two body styles, two shops, one empty cell.

The mechanical row runs the other way, 3.5 hours against 1.0, and no explanation for it has been established. It is left in the table rather than dropped because an error in the direction that favours the shop is still an error, and the only honest version of this page is one that prints both.

HOW THE ESTIMATOR FIGURE WAS PRODUCED, because the last case on this site was retired for not saying. The estimate was written from photographs in September 2026 and stored. The $5,058.64 is that stored estimate repriced at Progressive’s $56 rate on 2026-09-30, using the same repricing code the product ships. It is not a fresh run of the estimator, and the stored estimate carries no pipeline version because it predates the provenance columns, so it cannot be attributed to a specific build. The ledger above is what makes the number checkable: every figure in it can be added up by hand.

One car is not a measurement and this is not an accuracy rate. There is no accuracy figure anywhere on this site and there will not be one until enough paired documents exist to defend it. This is one job, with its rows shown, including the ones that are wrong.