Insurance Options Under the Progressive Motorcycle Coverage
The insurance coverage under the Progressive (R)* motorcycle service is as comprehensive as the rest of the products offered by this insurance firm from Mayfield Village, Ohio. Progressive Corp. was founded in 1937 and since then has provided coverage for automobiles, recreational vehicles and most recently, motorbikes.
The options offered by the company under its Progressive motorcycle segment include coverage for bodily injury and property damage liability, comprehensive and collision, uninsured/underinsured motorist, medical payments, custom parts and equipment or CPE and roadside assistance. For motorcycle owners in the United States, the insurer offers economic security and safety and a host of other services needed by every person who owns a motorbike.
The firm’s bodily injury and property damage liability option covers the vehicle owner’s legal liability for an accident where the other party has sustained injury or damage to their property, up to the limit of liability stated in the option selected by the owner of the insurance. In comprehensive and collision, the coverage includes the cost to repair or replace the insurance owner’s motorcycle if it is stolen or damaged in an accident, regardless of who is at fault. The purchaser of the insurance will select a deductible for each coverage and once the deductible is met, Progressive will pay for the remaining damage.
Under the uninsured/underinsured motorist option, the injury expenses of the insured will be paid for under the Underinsured Motorists Bodily Injury Coverage if the expenses exceed the at-fault party’s liability limits. The Uninsured Motorists Property Damage, on the other hand, covers damage to the insured’s vehicle caused by someone who does not have insurance. Medical payments, meanwhile, cover the costs of medical care that the insured incurs as a result of a motorcycle accident. The medical payments coverage can be used regardless of who is at fault.
Upon purchasing a physical damage liability coverage, most states will include a CPE coverage for at least $1,000; although additional CPE coverage can be purchased from the company up to $30,000. Another option offered by the company, the roadside assistance coverage, provides for towing and necessary labor when the insured’s motorcycle is disabled due to mechanical breakdown, dead battery, flat tire, lockout, insufficient supply of fuel and entrapment in snow, water or mud within 100 feet of the roadway.
Progressive motorcycle coverage options vary from state to state. Motorbike owners are still advised to examine the provisions of the services particular to their location.
* "Progressive" is the registered trademark of the Progressive Casualty Insurance Company. Motorcycle-Coverage.com is not in any way or by any means affiliated with the this company.
