I also have progressive. One question I am unclear of is say I am aground and and getting ground on a coral reef with little time before the vessel is a total loss. Do I call the insurace agent and try to get them to get a salvage company to help me or do I try to find one myself? What if I am out of cell range and can only reach the coast guard by radio, what happens then. If I give the ok to a salvor to save my boat will Progressive pay up to the value of the insured value of the boat?