Progressive Motorcycle Insurance Features and Coverages
19 November 2007Progressive Insurance Progressive Insurance - Motorcycle - Our accident was in April, the bike is still in pieces at the shop waiting for Progressive to decide wh...
Go with the pro - Progressive Group - Auto I have been with Progressive since 1991, and have had no problems with the services and coverages provided to me. ...
Progressive Motorcycle Insurance is one of the top-selling insurance product lines in the United States. The provider offers its motorcycle insurance products through two distinct marketing channels called Drive and Progressive Direct. The former corresponds to the needs of customers off- line while the latter caters to online buyers and consumers.
Motorcycle riders shopping for insurance have many ways of purchasing a policy. At Progressive, customers have a choice between Drive and Progressive Direct. Drive policies are offered through brokers and agents while Progressive Direct is for riders who prefer making their purchase online or through the telephone. Whatever option customers prefer, Progressive motorcycle insurance can lay out a series of options from which buyers can take their pick.
The premiums for Drive and Progressive Direct are different. When insurance is purchased through an agent or broker, as in the case of Direct policies, the motorcycle insurance quote factors in the commission of the agent or broker who made the sale. On the other hand, Progressive Direct policy rates incorporate the cost of maintaining a direct-selling center.
The protection provided by Progressive include bodily injury and property damage liability, collision and comprehensive, uninsured and underinsured motorists, medical payments, custom parts and equipment, and roadside assistance. Valued customers can enjoy significant discounts and riders with a good safety record are given low premium quotes. Insurance quotes are computed based on a rider’s safety record, marital status, age, type of motorcycle and the number of claims made against previous policies. Progressive also has a discount tie-up and is offering coverage for multiple motorcycles and a homeowner’s discount.
The company underwrites policies for a variety of motorcycle types. It provides coverage for customized motorcycles and bikes that are over 25 years old. Motorcycles are classified into several types and the more popular types include, the cruiser, the limited production cruiser, street sport, high-performance, touring, sport touring, regular, dual purpose or endure, motocross or dirt bike, mopeds, scooter and trike.
Progressive motorcycle insurance has become easily accessible through the company’s Web site. The site offers information not only about motorcycle insurance, but everything that has to do with riding a motorcycle. Most valuable to riders is the information on U.S. state laws pertaining to motorcycle driving. The site also offers road safety tips and recommends motorcycle safety equipment and devices to give customers a better idea of how to take care of themselves and their vehicles.
Health Insurance Coverage Of Motorcycle-Related Injuries
Those who love to ride motorcycles know there are dangers involved in the pursuit. Even if the cyclist is the perfect driver, observant of all laws and careful with the road conditions, things can happen. Most times, it’s another driver that causes the problem, but who is at fault isn’t the primary concern when injuries take place. It is at these times the smart motorcyclist is the one that happens to have not only good motorcycle coverage, but also a solid health insurance policy.
Injuries related to motorcycle accidents can be severe. Since the driver isn’t protected from head to toe by a car’s body, there can be sliding, scraping, crushing and other types of damage. Recuperation can be long and costly.
The best way to make sure you’re prepared for the worst is to be certain you have a good policy. Whether it’s one provided by your employer or a private purchase plan, there are some basics about medical insurance anyone - a motorcyclist or not - should understand.
Many plans come with a deductible. This is the amount of money that has to be paid before the policy can be used. Generally, the lower the better for medical insurance. And, in some cases, the personal injury protection or PIP deductible on a motorcycle policy itself can be higher if a good health plan will supplement. Deductibles can be per incident in the case of motor policies or annual.
Co-insurance involves cases where two policies come into play. This is common in motor vehicle related accidents. One plan may pay first or be the lead payer while the other one picks up where the first left off. Doctors’ offices and medical facilities generally can help the insured figure who which has to pay what.
A co-payment is a set amount a person insured under a medical policy has to pay per visit to a doctor, hospital or other facility. The amount remains the same regardless of the status of the deductible.
Most medical insurance companies set an out-of-pocket maximum for their clients on an annual basis. This is the total amount of money out of pocket a person will be asked to pay in any given year. Once this amount is met, the insurance generally kicks in at 100 percent, minus the deductible amount. This, of course, does not include premium expenses either.
The lifetime max on a policy is something to consider as well. Since accidents can be costly, the figure is worth keeping in mind. Generally, policies offer a lifetime max of about $1 million. This means once that figure has been met, the policy typically won’t cover anything else.
Of particular concern to cyclists is the exclusion clause of a policy. This will tell the insured what is not covered by the policy. In other words, it’s the fine print.
Generally, those who have a good motor vehicle policy and good medical insurance can rest assured their needs will be met if an accident does take place. Shopping for health insurance and auto insurance, however, should be a deliberate process.
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