burnszilla
New member
I've been looking at my Progressive policy. I have the basic coverage, but I was wondering if it would really cover me if I was to get injured and had to go to the hospital. I have health insurance thru my employer. Do I need more?
Choices:
Bodily Injury, Property Damage: 15/30/10, 25/50/10, 30/60/15, 50/100/25, 100/300/50, 250/500/100, 300 CSL, or 500 CSL.
Uninsured/Underinsured Motorist: 15/30, 25/50, 30/60, 50/100, 100/300, 250/500, 300CSL, or 500 CSL.
Uninsured Motorist Property Damage: $3500
Medical Payments: $1000, $2500, $5000, $10000
Explanation:
Bodily Injury & Property Damage & Guest Passenger (BIPD/GP) Coverage
Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued.
Common Exclusions: No coverage for (1) bodily injury/death when you are using your vehicle to carry persons or property for compensation or a fee (except when used for charitable events.); (2) liability assumed under a contract; (3) bodily injury/death to an employee; (4) bodily injury/death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6) bodily injury/death to you or relative; (7) bodily injury/death or property damage resulting from a relativeÔÇÖs use of a vehicle, other than a covered vehicle, owned by a person who resides with you; or (8) bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combined single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* None - No coverage.
Custom Parts or Equipment (CPE) Coverage
Provides coverage for the first $1,000 of loss to custom parts or equipment (CPE) FREE of charge. Input total value of CPE and the first $1,000 of coverage will not be charged for. "Custom parts or equipment" means equipment, devices, accessories, enhancements and changes other than those which are original manufacturer installed, which alter the appearance or performance of the cycle. This includes, but is not limited to:
* any electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or play back recorded media, other than those which are original manufacturer installed, that are permanently installed on the cycle using bolts or brackets, including slide-out brackets;
* sidecars;
* trailers designed to be pulled behind a motorcycle or ATV;
* custom paint, custom plating, or custom exhaust;
* safety riding apparel, including helmets. (Coverage is only provided in the event of a collision loss. Theft is not covered.)
You must retain receipts for all Custom Parts and Equipment added to your motorcycle. These receipts will be needed at the time of loss as proof of the value of the Custom Parts and Equipment. We also recommend that you retain photos of the motorcycle. Additional documentation helps expedite loss settlements.
Guest Passenger or Guest Passenger Liability (GUEST) Coverage
Provides protection for legal liability in the event that a guest passenger is injured on the insured vehicle. Guest Passenger coverage may be a mandatory coverage and may be included in the BI/PD Liability coverage or it may be an optional coverage and must be purchased separately to have any coverage for bodily injury sustained by a guest on your vehicle.
Note: In some states, Guest Passenger coverage covers injuries sustained by household members of the named insured (e.g. Self, spouse, children) UP TO THE STATE MINIMUM REQUIREMENTS for Bodily Injury. In those states, any claims by a household member in excess of the state minimums ARE NOT COVERED. In other states, guest passenger coverage DOES NOT cover injuries sustained by household members of the named insured (e.g. Self, spouse, children). Please review your policy contract for full details about the coverage.
Medical Payments (MED PAY) Coverage
Pays certain medical and funeral expenses resulting from a motor vehicle accident. This coverage protects anyone occupying your vehicle. It also covers you and relatives who reside in your household while in other vehicles or if struck as a pedestrian. These benefits are payable without regard to fault. This coverage may not be available in states that require Personal Injury Protection Benefits.
Common Exclusions are similar to those for Bodily Injury Liability Coverage (see above).
Transport Trailer (Trailer) Coverage
Transport Trailer Physical Damage Coverage provides Comprehensive and Collision coverage to your transport trailer. A transport trailer is any non-motorized trailer pulled by a car, truck or motorhome and is designed for transporting a motorcycle, ATV, dirtbike, etc. listed on the motorcycle policy. Only one transport trailer available per policy. Up to $10,000 of coverage is available. In the event of a claim, it will be the insured's responsibility to verify the value of the transport trailer.
Uninsured Motorists Coverage
Uninsured Motorists (UM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Uninsured Motorists Bodily Injury (UMBI)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Uninsured Motorists Property Damage (UMPD)
Available in some states, usually as an alternative to Collision Coverage. This coverage pays you for damage to the vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or does not have enough insurance. In some states, it may also pay you for damage to personal property in the covered vehicle at the time of an accident. This coverage is not available in all states.
Common Exclusions: No coverage for property damage sustained by a covered vehicle while (1) being used to carry persons or property for compensation or a fee (except when used for charitable events); or (2) a covered vehicle without the permission of you or a relative.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combine single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* A coverage limit with a deductible displayed as 25 w/250. In this example, we would pay up to a maximum of 25,000 in Property Damage less a $250 deductible.
* None - No coverage.
Underinsured Motorists Coverage
Uninsured/Underinsured Motorists Bodily Injury (UM/UIM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or does not have enough insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Underinsured Motorists Bodily Injury (UIM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have enough insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combined single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* None - No coverage.
Choices:
Bodily Injury, Property Damage: 15/30/10, 25/50/10, 30/60/15, 50/100/25, 100/300/50, 250/500/100, 300 CSL, or 500 CSL.
Uninsured/Underinsured Motorist: 15/30, 25/50, 30/60, 50/100, 100/300, 250/500, 300CSL, or 500 CSL.
Uninsured Motorist Property Damage: $3500
Medical Payments: $1000, $2500, $5000, $10000
Explanation:
Bodily Injury & Property Damage & Guest Passenger (BIPD/GP) Coverage
Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued.
Common Exclusions: No coverage for (1) bodily injury/death when you are using your vehicle to carry persons or property for compensation or a fee (except when used for charitable events.); (2) liability assumed under a contract; (3) bodily injury/death to an employee; (4) bodily injury/death caused by an intentional act; (5) property owned by, rented to, or in the charge of an insured person; (6) bodily injury/death to you or relative; (7) bodily injury/death or property damage resulting from a relativeÔÇÖs use of a vehicle, other than a covered vehicle, owned by a person who resides with you; or (8) bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combined single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* None - No coverage.
Custom Parts or Equipment (CPE) Coverage
Provides coverage for the first $1,000 of loss to custom parts or equipment (CPE) FREE of charge. Input total value of CPE and the first $1,000 of coverage will not be charged for. "Custom parts or equipment" means equipment, devices, accessories, enhancements and changes other than those which are original manufacturer installed, which alter the appearance or performance of the cycle. This includes, but is not limited to:
* any electronic equipment, antennas, and other devices used exclusively to send or receive audio, visual, or data signals, or play back recorded media, other than those which are original manufacturer installed, that are permanently installed on the cycle using bolts or brackets, including slide-out brackets;
* sidecars;
* trailers designed to be pulled behind a motorcycle or ATV;
* custom paint, custom plating, or custom exhaust;
* safety riding apparel, including helmets. (Coverage is only provided in the event of a collision loss. Theft is not covered.)
You must retain receipts for all Custom Parts and Equipment added to your motorcycle. These receipts will be needed at the time of loss as proof of the value of the Custom Parts and Equipment. We also recommend that you retain photos of the motorcycle. Additional documentation helps expedite loss settlements.
Guest Passenger or Guest Passenger Liability (GUEST) Coverage
Provides protection for legal liability in the event that a guest passenger is injured on the insured vehicle. Guest Passenger coverage may be a mandatory coverage and may be included in the BI/PD Liability coverage or it may be an optional coverage and must be purchased separately to have any coverage for bodily injury sustained by a guest on your vehicle.
Note: In some states, Guest Passenger coverage covers injuries sustained by household members of the named insured (e.g. Self, spouse, children) UP TO THE STATE MINIMUM REQUIREMENTS for Bodily Injury. In those states, any claims by a household member in excess of the state minimums ARE NOT COVERED. In other states, guest passenger coverage DOES NOT cover injuries sustained by household members of the named insured (e.g. Self, spouse, children). Please review your policy contract for full details about the coverage.
Medical Payments (MED PAY) Coverage
Pays certain medical and funeral expenses resulting from a motor vehicle accident. This coverage protects anyone occupying your vehicle. It also covers you and relatives who reside in your household while in other vehicles or if struck as a pedestrian. These benefits are payable without regard to fault. This coverage may not be available in states that require Personal Injury Protection Benefits.
Common Exclusions are similar to those for Bodily Injury Liability Coverage (see above).
Transport Trailer (Trailer) Coverage
Transport Trailer Physical Damage Coverage provides Comprehensive and Collision coverage to your transport trailer. A transport trailer is any non-motorized trailer pulled by a car, truck or motorhome and is designed for transporting a motorcycle, ATV, dirtbike, etc. listed on the motorcycle policy. Only one transport trailer available per policy. Up to $10,000 of coverage is available. In the event of a claim, it will be the insured's responsibility to verify the value of the transport trailer.
Uninsured Motorists Coverage
Uninsured Motorists (UM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Uninsured Motorists Bodily Injury (UMBI)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Uninsured Motorists Property Damage (UMPD)
Available in some states, usually as an alternative to Collision Coverage. This coverage pays you for damage to the vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or does not have enough insurance. In some states, it may also pay you for damage to personal property in the covered vehicle at the time of an accident. This coverage is not available in all states.
Common Exclusions: No coverage for property damage sustained by a covered vehicle while (1) being used to carry persons or property for compensation or a fee (except when used for charitable events); or (2) a covered vehicle without the permission of you or a relative.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combine single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* A coverage limit with a deductible displayed as 25 w/250. In this example, we would pay up to a maximum of 25,000 in Property Damage less a $250 deductible.
* None - No coverage.
Underinsured Motorists Coverage
Uninsured/Underinsured Motorists Bodily Injury (UM/UIM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or does not have enough insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Underinsured Motorists Bodily Injury (UIM)
Protects you, your relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have enough insurance.
Common Exclusions: No coverage for bodily injury/death sustained by any person while using or occupying a (1) covered vehicle while being used to carry persons or property for compensation or a fee; (except when used for charitable events.) (2) a covered vehicle without the permission of you or a relative; or (3) a non-owned vehicle without the permission of the owner.
Options may include:
* Split limits which are displayed as 100/300/50. The most we would pay for any one person's bodily injuries is $100,000, up to a total of $300,000 for all person's bodily injuries for each accident occurrence. The maximum Property Damage payout for any one accident is $50,000.
* Combined single limits which are displayed as CSL. Bodily Injury & Property Damage are a combined coverage having one policy limit. Example: 300 CSL
* None - No coverage.
