What you don't know can cost you
What you don't know can cost you

What you don't know can cost you

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To find the right car insurance, you need to know the facts. This summary outlines the basics about auto insurance coverages, deductibles and more.

Text of What you don't know can cost you

  • This infos on MeTo fi nd the right car insurance, you need the facts. We put together this summary with the basics about coverages, deductibles and more. Your local agent can give you expert advice about the coverage options that work best for you. Give him or her a call today for help tailoring a policy just for you.

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    Bodily Injury/Property Damage Liability (BI/PD)With BI/PD coverage, we pay for the damages that youre responsible for after an accident. If youre sued, we pay for a lawyer to defend you.

    With Bodily Injury coverage, we pay for the damages that youre responsible for, up to the limit you chose, if theres an injury or fatality.

    With Property Damage coverage, we pay for the damages that youre responsible for, up to the limit you chose, if you damage someone elses property while driving. This can include another vehicle, a mailbox, a home or other object.

    CollisionWith Collision coverage, we pay to repair your car when you hitor are hit byanother vehicle or object, regardless of whos at fault.

    When you buy Collision, you choose the deductible, typically $250 or $500. This is what you pay to a repair shop. We pay the rest, up to the limits you chose.

    Comprehensive

    With Comprehensive coverage, we pay for repairs to your car when theres damage thats caused by something other than a collisionfi re, theft, vandalism, hail or fl ood.

    We also pay for damage if you hit an animal, and we pay for a rental vehicle if your car is stolen.

    When you buy Comprehensive, you choose the deductible, typically $250 or $500. This is what you pay to a repair shop. We pay the rest, up to the limits you chose.

    Med PayWith Med Pay, also known as Medical Payments, we pay for reasonable and necessary medical care you need as the result of an accident, regardless of whos at fault, up to the applicable limits.

    Uninsured Motorist Property Damage (UMPD)With UMPD coverage, we pay to repair damage to your vehicle thats caused by a driver who doesnt have insurance. We pay up to the limits you chose when you bought the policy.

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    12A00003.A.M.SS (04/12)

    Discounts vary by state. Coverages may vary by state. Policies underwritten by Progressive Casualty Insurance Company and its affi liates, including: Artisan and Truckers Casualty Company, Drive New Jersey Insurance Company, Mountain Laurel Assurance Company, National Continental Insurance Company, Progressive Advanced Insurance Company, Progressive American Insurance Company, Progressive Bayside Insurance Company, Progressive Casualty Insurance Company, Progressive Choice Insurance Company, Progressive Classic Insurance Company, Progressive Commercial Casualty Company, Progressive County Mutual Insurance Company, Progressive Direct Insurance Company, Progressive Express Insurance Company, Progressive Freedom Insurance Company, Progressive Garden State Insurance Company, Progressive Gulf Insurance Company, Progressive Hawaii Insurance Corp., Progressive Marathon Insurance Company, Progressive Max Insurance Company, Progressive Michigan Insurance Company, Progressive Motor Insurance Company, Progressive Mountain Insurance Company, Progressive Northeastern Insurance Company, Progressive Northern Insurance Company, Progressive Northwestern Insurance Company, Progressive Paloverde Insurance Company, Progressive Preferred Insurance Company, Progressive Premier Insurance Company of Illinois, Progressive Security Insurance Company, Progressive Select Insurance Company, Progressive Southeastern Insurance Company, Progressive Specialty Insurance Company, Progressive Universal Insurance Company, Progressive West Insurance Company, United Financial Casualty Company. Available in most states. All coverages subject to policy terms and conditions.

    Uninsured/Underinsured Bodily Injury (UMBI)With UMBI coverage, we pay for damages you incur, including medical expenses and lost wages, when youre in an accident thats caused by a driver who has no insurance or not enough insurance to cover these expenses. We pay up to the limits you chose when you bought the policy.

    Personal Injury Protection (PIP) With Personal Injury Protection (PIP), we pay for medical bills andin some statesother living expenses while you heal if youre unable to work as a result of an accident, no matter who is at fault. PIP is often referred to as no-fault insurance. PIP limits vary by state.

    Loan/Lease Payoff CoverageWith Loan/Lease Payoff coverage, also known as Gap coverage, we pay the difference between the settlement amount and the amount you owe your lender if we declare your vehicle a total loss after an accident. If you lease your vehicle or have a loan, you can buy Loan/Lease Payoff coverage. We pay up to the limits you chose when you bought the policy.

    Rental ReimbursementWith Rental Reimbursement coverage, we pay for your rental car while your vehicle is being repaired. You can buy Rental Reimbursement if you have Comprehensive and Collision coverage. Well pay for 30 days of rental, up to the maximum per-day amount shown on the declarations page of your policy.

    Roadside Assistance With Roadside Assistance, we pay for repairs or towing services when your vehicle breaks down due to mechanical or electrical issues, a dead battery, a fl at tire, a lock-out or if you run out of gas. It also applies when your vehicle is stuck in the snow or mud within 100 feet of a road.

    Additional Custom Parts and Equipment With Additional Custom Parts and Equipment, well pay for damage to aftermarket devices, accessories and other permanent enhancements that alter a vehicles appearance or performance. Examples include custom grills, upgraded sound systems, aftermarket wheels and custom paint.

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