progressive Total Loss Replacement Ins. in ILLINOIS.

Ok, cant make this up! I purchased a 35 foor Travel trailer in Wi. We found a big time sale in Januarary 2026, on a New 2025 Winnebago Voyage. We pulled out of the dealer entered the highway. We drove 5 miles and got smacked by an oversized load that was hauling roof trusses. It created structual damage on the back wall and drew a line down the side with some cracking and then continued to blow up my f250 mirror.

So, the progressive adjuster comes to my house takes my tape job off, throws it on the ground and left. He quotes at $4,900 damage. I then haul to a rv body shop and they quote at $37K. I haul it back to body shop so adjuster can go over with body shop. Now hes at 11K and says " Progressive shop that we use often, signed off on 11K from pics, just authorize and they will order parts. I said no, they must inspect it. So I haul it there and they filed it a total loss, ya NO kiding… far cry from $4,900

Ok, So finally my question. I have the total loss replacement insurance but progressive only wants to give me what I paid $35K- the 1K deductible. Is this right? My understanding is "total loss replacement" is the average sale price for that trailer, so more like 45K. Remember I went a state over to find this sale in Jan. 2026. So now I screwed because I found a great sale in Jan. 2026? Now everthing in IL that is comparable is 45K ish. Any advise is greatly appreciated!