Auto – PA Personal – Progressive

COVERAGE OVERVIEWQuote

IF YOU ARE INJURED

The First Party Benefits include

  • Medical Payments
  • Extraordinary Medical Benefit
    o    Do you have health insurance?
  • Income Loss
    o    Do you have short & long-term disability?
  • Accidental Death
  • Funeral Benefits
    o    Do you have enough life insurance?

All relatives residing with you are covered under your personal auto policy unless they have their own individual policies.

Workers Compensation may cover injuries as part of employment.

IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY

Liability protection provides legal defense and a settlement to

  • those you may injure, or
  • for property you may damage.

These limits can become outdated.

You can have additional coverage with a stand-alone Excess Liability Policy.

  • Do you have assets to protect?
    o    Real estate
    o    Savings & investments

IF YOU ARE INJURED BY AN  IMPROPERLY INSURED DRIVER

The occupants of your car can be protected from injuries by Uninsured Motorists (no insurance at all) or Underinsured Motorists (legally insured, but with insufficient coverage). You can

  • reject this optional coverage,
  • lower the limit (matches the Bodily Injury Liability limit)
  • reject stacking (multiplies the coverage times the vehicles on the policy).

TORT OPTION

PA drivers are offered two choices for not-at-fault injuries.

  • Limited Tort allows recovery for all medical and out-of-pocket expenses; but pain and suffering only if it meets the definition of “serious injury”.
  • Full Tort does not require the “serious injury” definition.

YOUR CAR DAMAGE (OPTIONAL)

Pet Injury Coverage @ $1,000 is included.  Deductibles for vehicle damage apply.  Choosing higher deductibles lowers your premium.

  • Collision (roadway accident, hit-and-run)
  • Comprehensive (fire, theft, vandalism, glass damage, flood, hitting a deer, & more)

ADDITIONAL OPTIONS

Emergency Roadside Assistance provides reimbursement of reasonable emergency expenses such as towing.

Rental Reimbursement for replacement transportation following a covered loss.

Loan/Lease Pay-Off coverage helps defray gap between the total loss value and financing/leasing balance.

Custom parts or Equipment above the $1,000 automatic limit.

PROGRESSIVE PRODUCTS

  • Auto–Personal
  • Auto–Commercial
  • ATV
  • Boat
  • Motorcycle
  • RV
  • Snowmobile
  • Umbrella Motor Home, including Full Timers
  • Travel Trailer, incl. Park Models
  • Employment Practices Liability

REVIEW

We ask for the opportunity to review your needs when purchasing auto insurance.  We also provide a written review each year.

DISCLAIMER: This brochure is provided as a convenient summary.  It is not an offer of coverage.  Details, limitations and exclusions are found in the actual policies.

Social Media Auto Publish Powered By : XYZScripts.com