Haris Ashley
Progressive offers a range of motorcycle insurance coverages, including comprehensive, collision, and liability. While the specifics of Progressive's motorcycle insurance policies vary by state, medical payments coverage and personal injury protection (PIP) are typically available as optional extras. These coverages can help pay for medical bills resulting from a motorcycle accident, regardless of fault, and may also cover co-pays and deductibles associated with the accident. In some states, PIP is mandatory, while in others, it is not offered at all. It's important to note that Progressive's motorcycle insurance policies do not cover track days, competitions, or commercial use of the motorcycle.
| Characteristics | Values |
|---|---|
| Medical bills coverage | Medical payments coverage and PIP can pay for medical bills that result from a motorcycle crash |
| Medical payments coverage | Optional coverage that pays for medical bills from a motorcycle accident up to a specified limit and regardless of fault |
| Personal injury protection (PIP) | Mandatory in some states and optional in others, it can pay for medical, rehabilitation, and funeral expenses caused by a motorcycle accident, regardless of fault |
| Uninsured/underinsured motorist coverage | Pays for property damage and bodily injury expenses if the other driver is at fault and can't pay for the damages |
| Guest passenger liability coverage | Pays for injuries to passengers up to the policy's limits |
| Comprehensive coverage | Pays to repair or replace your motorcycle if it's stolen, vandalized, or damaged in a weather-related incident, collision with an animal, or fire |
| Collision coverage | Pays to repair or replace your motorcycle if it's damaged in an accident with another vehicle or object |
| Total loss coverage | Pays the full manufacturer's suggested retail price for a brand new bike, minus the deductible on your policy |
| Riding apparel coverage | Pays for riding apparel that is damaged or destroyed in a covered collision, up to $3,000 and without any additional deductible |
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What You'll Learn
Medical payments coverage
If you have expensive health bills and other health insurance, you may want to file a claim on your health insurance plan as well as your medical payments coverage. Even if your health insurance covers motorcycle accident injuries, adding medical payments coverage could help with coverage. Depending on the details of your health insurance plan, co-pays and deductibles can add up quickly, especially if you need to make separate visits to see a doctor or to see specialists. Not all health insurance plans cover longer-term care like physical therapy, either. Without medical coverage through your motorcycle insurance policy, you may have to pay hundreds or thousands of dollars out of pocket for care.
In addition to medical payments coverage, there are other types of coverages that can help protect you financially in the event of a motorcycle accident. For example, uninsured motorist (UM) and underinsured motorist (UIM) coverages may pay to repair or replace your motorcycle, as well as cover your injuries, if you are hit by an uninsured or underinsured motorist. Comprehensive coverage pays to repair or replace your motorcycle if it is stolen, vandalized, or damaged in a weather-related incident, collision with an animal, or fire. Collision coverage pays to repair or replace your bike if it is damaged in an accident with another vehicle or object, such as a tree or fence. You can also purchase total loss coverage, which will give you the full manufacturer's suggested retail price for a brand new bike if your motorcycle is totaled.
It is important to note that medical payments coverage is different from personal injury protection (PIP) coverage. While medical payments coverage only covers medical bills, PIP can also pay for other financial losses, such as lost wages if you are unable to work or require at-home care. PIP is mandatory in some states, optional in others, and not available in the remaining states. Be sure to check your state's requirements, as they may differ for cars and motorcycles.
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Personal injury protection (PIP)
PIP coverage can help pay for medical bills, rehabilitation, and funeral expenses for you and your passengers. It can also provide income replacement if you are unable to work due to your injuries. In some states, non-medical benefits may be included, such as coverage for lost wages, household services, and disability, which can extend to your passengers and family members.
The amount of coverage provided by PIP varies, with some states offering a deductible option to lower costs. For example, PIP may cover up to $10,000 for reasonable and necessary medical and hospital expenses, with additional coverage available for up to a $35,000 benefit. Wage loss coverage can provide up to $200 per week, with a total limit of $10,000, and additional coverage options available.
If you have health insurance, you may still want to consider PIP coverage as it can help pay for co-pays, deductibles, and other costs associated with a motorcycle accident. It can also provide peace of mind, knowing that you and your passengers are protected financially in the event of an accident.
In summary, personal injury protection (PIP) is an important coverage option to consider when purchasing motorcycle insurance. It provides financial protection for medical expenses, lost wages, and other costs resulting from a motorcycle accident, regardless of fault. Be sure to check your state's requirements and the specific details of the coverage to understand your options and choose the protection that best suits your needs.
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Uninsured/underinsured motorist coverage
UM/UIM coverage is divided into two main parts: uninsured/underinsured motorist bodily injury (UMBI) and uninsured/underinsured motorist property damage (UMPD). UMBI coverage focuses on medical expenses, including your injuries and those of your passengers, while UMPD coverage addresses physical damage to your motorcycle and other property. Depending on your state's requirements, you may be able to purchase UMBI and UMPD coverage separately or as a combined package.
It's worth noting that not all states mandate UM/UIM coverage, but it is still highly recommended for all drivers. Even in states where it is not required, adding this coverage to your policy can provide valuable peace of mind and financial protection. In the event of a hit-and-run accident, for example, you can file a claim against your uninsured motorist coverage.
To ensure you have the right level of protection, it's important to understand your state's specific requirements and options for UM/UIM coverage. You can easily add or adjust your coverage limits by contacting Progressive directly or managing your policy online. By taking these steps, you can feel more confident and secure on the road, knowing that you're covered in case of an accident with an uninsured or underinsured driver.
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Comprehensive and collision coverage
Collision coverage, on the other hand, pays to repair or replace your bike if it is damaged in an accident with another vehicle or object, such as a tree, fence, or guardrail. This coverage is crucial in safeguarding your bike against physical damage. For example, if your bike is damaged after a minor collision with a guardrail, collision coverage can cover the repair cost, minus your deductible.
In addition to the standard comprehensive and collision coverage, Progressive also offers $3,000 of additional coverage to pay for upgrades, customizations, equipment, and accessories. If you require more coverage, you can purchase up to $30,000 in additional protection. It is important to note that comprehensive and collision coverage are typically required by lenders if you finance or lease your motorcycle.
Overall, comprehensive and collision coverage can provide valuable protection for your motorcycle in the event of accidents, theft, or damage. It is important to review your policy carefully to understand the specific coverages, exclusions, and limitations that apply to your situation.
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Guest passenger liability
In addition to guest passenger liability, medical payments coverage, and PIP, there are other types of coverage that can protect your passenger. Uninsured/underinsured motorist (UM/UIM) coverage can protect you and your passenger when another driver causes an accident but doesn't have enough insurance to pay for the damages. Comprehensive and collision coverage can also protect your bike and your passenger in certain situations. For example, if your bike is disabled within 100 feet of a public road, Progressive's roadside assistance program will tow your bike to the nearest repair shop for free.
It is important to note that the availability and specifics of coverage may vary depending on your state and policy. Therefore, it is always a good idea to review your policy carefully and consult with an agent or insurer to understand the specific coverages included in your motorcycle insurance policy.
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Frequently asked questions
Yes, Progressive motorcycle insurance covers medical bills. Medical payments coverage and personal injury protection (PIP) can pay for medical expenses resulting from a motorcycle accident.
Medical payments coverage is an optional coverage that pays for reasonable and necessary medical expenses for you and your passengers that result from a motorcycle accident, regardless of fault and up to your coverage limit.
Personal injury protection is mandatory in some states and optional in others. It can pay for medical, rehabilitation, and funeral expenses caused by a motorcycle accident, regardless of fault.
Progressive motorcycle insurance offers comprehensive and collision coverage, which pays to repair or replace your motorcycle if it is stolen, vandalized, or damaged in an accident. They also offer total loss coverage, carried contents, and personal belongings coverage.
You can get a free quote for Progressive motorcycle insurance online or over the phone. You will need to provide basic information about yourself and your motorcycle, such as your location, riding experience, accident history, and the make and model of your bike.
