Why would you want to be your own claims Adjuster? As long as the body shop is approved by your insurance company then I’m confused, I’ve had collision work done a handful of times and have always used a shop that is “in network” and have never had issues with quality of parts and quality of work. Almost every insurance claim I’ve ever had required a supplement.
Also Progressive is awful. I worked for enterprise in college and they were hands down the absolute worst company to work with (Chubb, Geico, and USAA the best), we’d have claimants that had 3 row SUVs and Progressive would try and book them an economy car (something all the insurance companies do) the kicker was unlike every other company when we called them to correct the error instead of approving a bigger car instantly instead they’d tried to negotiate for a small car.
How are you going to put a guy who is not at fault who is driving a Ford Expedition into a Nissan Sentra and claim that’s fair idemnification? I refuse to do business with them based on how they do business with others.