Do you really need rideshare insurance?

What could happen if you don’t have rideshare insurance?

 

Insurance for Ridesharing
Upset Lyft driver After Traffic Accident

 

It may seem like an okay idea to put off looking into rideshare insurance.  Maybe you’re a good driver and besides Uber and Lyft have insurance don’t they? Why would you want to pay more money for a rideshare endorsement or take the chance of getting canceled if your insurance company doesn’t offer rideshare insurance? Another driver on youtube said we didn’t need it. What’s the truth?

It’s an okay idea until you have an accident and have to think about it again. Then it might be too late. The Uber driver on youtube giving free insurance advice isn’t an insurance professional. It’s probably not a good idea to trust his advice…

It’s estimated that over 60% of rideshare drivers don’t have rideshare insurance.

Without a rideshare insurance policy or a rideshare endorsement, you’ll have coverage Gaps…

The entire time your app is on, your personal auto policy is suspended. Your TNC Lyft, Uber, etc., does provide coverage, but only for the period of time between accepting the passenger and dropping off the passenger (before accepting a passenger, some TNCs may provide limited liability coverage only). When you don’t have a passenger – you have no coverage for your vehicle and any damages or injuries you may sustain.

RideSharing Coverage steps in to cover you between passengers, effectively closing the gap.

Some things to consider…

Huge deductibles – Lyft has a $2500 deductible.  Uber has a $1000 deductible.  Some rideshare policies will cover the deductible gaps as well.  If for example, you have a $500 deductible on your policy that’s what you’d have with the rideshare endorsement – not $2500 or whatever.  You’ll want to ask your agent as some insurers will cover this gap and some insurers won’t cover it. A rideshare endorsement covering this gap could seem like a real bargain at claim time.

Loss of use… Let’s say you have an accident while heading to your hotspot and your vehicle is damaged. It needs extensive repair and it could take weeks to get it back on the road. You’re likely going to be out of pocket for deductibles you also won’t be able to drive or earn if that’s your only vehicle.

Ride-sharing coverage and gaps….ProgressiveRideshareInsurance

MN state law requires rideshare drivers to carry a minimum of 50/100/30 liability limits.  If you are carrying the state minimum of 30/60/10 you won’t be compliant.

Per vehicle/per occurrence/property damage

Check your auto insurance policy

Even though you have an auto insurance policy, it might not provide coverage while you are working for a TNC – Lyft, Uber, etc., Look at the exclusions in your policy.  Most personal auto insurance policies have exclusions for when a vehicle is used “in connection with a transportation network company,” “as a public or livery conveyance,” or “to carry persons or property for a charge.” Many applications specifically ask “Are any vehicles used for rideshare?”

Also, look at the terms and conditions of the policy. Using your car for business purposes may be in violation and cause your policy to be canceled.

Do you really need rideshare insurance?  Yes!

Is it possible to pay lower rates with a rideshare endorsement than you’re currently paying? Yes! A driver just recently cut his insurance bill in half and has better coverage.

There are tips and tricks to get better rates like…

  • Bundling all your insurance to get the multi-policy discounts
  • Some companies have lower rates than others in certain areas – so check other companies
  • Carrying higher liability limits could get you a better quote – people looking to save on insurance typically carry lower limits of liability and it actually costs them more.
  • Get an advance quote or early bird quote at least two weeks in advance of your current policy expiration.  Most companies will give you a discount.
  • Use an independent agent or agency that represents more than one company and understands rideshare insurance.  It will save you time.
  • Want more tips?  Call 612.460.7796 or go online here…

Minneapolis Progressive Insurance

 

 

 

30/60/10 Do You Know What These Numbers Mean?

What do those numbers mean?  

They are liability insurance numbers.  

MN Auto Insurance Requirements Are 30/60/10

  1. The first number 30 or $30,000 is the bodily injury liability maximum coverage for one individual who’s injured in an auto accident.
  2. The second number 60 or $60,000 is the maximum amount of bodily injury liability coverage per accident.
  3. The third number 10 or $10,000 represents the maximum amount of property damage liability, and it’s per vehicle.

Did you know what they mean?

One of the most common mistakes made when purchasing insurance is choosing the lowest liability limits.

Here’s why…

Average day in MN 2015

  • 205 crashes
  • 1 Death and 82 Injuries
  • Average daily cost in MN $4,858,135
  • Per accident average cost $23,698

22% of the time driver distraction is contributing factor in teen driving crashes

 

Car Insurance

 

 

 

 

 

 

 

Auto Insurance

Cost of Motor Vehicle Crashes in 2015

  • 411 Deaths @$1,512,000/Death
  • 1,127 Severe Injuries @ $88,500/Crash
  • 7,251 Moderate Injuries @ $25,600/Crash
  • 21,603 Minor Injuries @ $21,000/Crash
  • 98,276 PDO Crashes @ $4,200/Crash

Driving your vehicle represents the largest possible source of a lawsuit and it’s always best to consider these things before an accident.

So, are your limits high enough?

People falsely assume having the state minimum liability limits of 30/60/10 is the least expensive or is all they can afford….Believe it or not many times it’s less expensive to carry higher limits – not only because of the obvious of having enough coverage if you are in an accident but, having higher limits can give you better rates by being placed in a better rating tier. It could cost less to have better insurance!

How much should you have?

You will want to consider your current earnings, your future earnings,  your wealth.

Your limits should be the same level. Your liability limits should be the same for each insurance policy.  If you are insuring a million dollar net worth and have 30/60/10 for your autos or a boat trying to predict where a loss is likely to occur is foolish. However, people make this mistake all the time.

The thing is having higher auto and home insurance liability limits not only protests you it could lead to better rates too!  One of the rating factors underwriters use for quoting is your current liability limits. Carrying the higher limits will generally get you better quotes.

If responsible for an accident, you may have to pay for…

  • Car Damage
  • Loss of Use
  • Towing
  • Car Rental
  • Damage to Personal Property
  • Damage to Business Property
  • Environmental Cleanup

  • Modification to a Home
  • Pain & Suffering
  • Towing
  • Loss of Essentials Services
  • Attorney Fees
  • Loss of Wages
  • Medical Bills

Call your agents and have them run some quotes for you with having higher prior limits and without.  Find out how much you need and what the cost is to protect yourself.  Higher liability limits are one of the few bargains available in insurance.  You’ll be surprised how affordable it can be to raise your limits. Plus, rest easier knowing your covered well.

I had a Car Accident – What Do I Do?

Having an accident is no joke. There are many accidents each year and sadly many die  because they were in a collision.  It is important for all drivers to understand just what they need to do if they have been involved in an accident large or small.

Auto Insurance MPLS

 

 

 

 

 

 

 

 

 

The first thing to do is remain at the scene of the accident. Call the police as they will need to make a report of what happened. If you have a camera phone on you and you’re okay then consider taking some pictures. The police will do this as well so it is important to have enough evidence for your auto insurance claim.  Exchange insurance info and ask everyone involved in the accident for their information such as license plate number, driver’s license number, name, address and telephone number.

The second step is to get checked out by an EMT to make sure you’re okay. Many accident victims even those with minor injuries refuse to get medical treatment only to find out they have issues later.  You could be okay one minute and then drop dead the next. Your medical bills could be an issue if it isn’t documented as an accident related injury.

The third step is to go home and call your car insurance agent or  company. A claims representative is usually available 24 hours a day to talk to drivers and begin the claims process. Make sure to have your policy information readily available to help speed up the process.

The fourth step is to make a list of everything that happened. It is important to make notes while everything is fresh in your memory.  Once this is done, you can provide an accurate and clear statement for the insurance adjuster handling your claim.

The fifth step is to give an official statement to your adjuster. Do this as soon as you can to begin the claims process. It’s best to report an accident sooner than later if possible as stories can change.  Don’t just take the drivers word that they were at fault and will make it right.

The sixth step is to wait for the claims adjuster to begin to evaluate the claim. It usually takes about a week for a claims adjuster to get back to a driver about a claim. Be patient, especially if the car accident was serious. The adjuster will need to determine who was at fault and that can take a while in some situations. They generally try to recover your deductible if you were not at fault. Once the claim has been completed, a driver will receive their compensation check if the insurer feels that they are entitled to one. Once the check is cashed and no appeal is requested the claim is closed.

Always keep your auto insurance cab cards in your vehicle and up to date.

Related: Workers Compensation Lawyers Near Me.

Shopping for the Safest Vehicle

If you’re like most folks shopping for a new vehicle, safety ranks high among things you’re looking for – especially with all the texting and other distractions on the road. Every new car must meet certain federal safety standards, but that doesn’t mean that all cars are equally safe. There are still important safety differences, and some vehicles are safer than others. Many automakers offer safety features beyond the required federal minimums. Find out more about what safety features should be considered when purchasing a car.

Safety Features

When you think about buying a new vehicle, chances are you spend a good deal of time thinking about what kind of vehicle you’d like to buy, what color and the “must-have” features. But don’t forget to consider a vehicle’s safety features, too!


1. Crashworthiness: These features reduce the risk of death or serious injury when a crash occurs. You can get a rating of crashworthiness from the Insurance Institute for Highway Safety’s Web site at http://www.iihs.org.


2. Vehicle structural design: A good structural design has a strong occupant compartment, known as the safety cage, as well as front and rear ends designed to buckle and bend in a crash to absorb the force of the crash.

3. Vehicle size and weight: The laws of physics dictate that larger and heavier cars are safer than lighter and smaller ones. Small cars have twice as many occupant deaths each year as large cars


4. Anti-lock brakes: When you brake hard with conventional brakes, the wheels may lock and cause skidding and a lack of control. Anti-lock brakes pump brakes automatically many times a second to prevent lockup and allow you to keep control of the car. Anti-lock brakes may help you keep steering control, but they won’t necessarily help you stop more quickly.


5. Daytime running lights: Daytime running lights are activated by the ignition switch. They are typically high-beam headlights at reduced intensity or low beam lights at full or reduced power. By increasing the contrast between a vehicle and its backgrounds and making the vehicles more visible to oncoming drivers, these lights can prevent daytime accidents.


6. On-the-road experience: Other design characteristics can influence injury risk on the road. Some small utility vehicles and pickups are prone to rolling over. “High performance” cars typically have higher-than-average death rates because drivers are tempted to use excessive speed. Combining a young driver and a high-performance car can be particularly dangerous.

Whether new or used, buying a car is an investment. Make sure your vehicle is properly protected by calling our office in Dubai today to learn more about all of our insurance solutions for your auto, home and life.

Safety

Belts, airbags and head restraints all work together with a vehicle’s structure to protect people in serious crashes. Lap/shoulder belts hold you in place, reducing the chance you’ll slam into something hard or get ejected from the crashing vehicle. If you aren’t belted, you’ll continue moving forward until something suddenly stops you – often a hard interior surface that will cause injuries. Consider the vehicle’s safety belt, airbag and head restraint features when shopping with safety in mind.

 

 

Minneapolis Car Insurance

Auto Insurance Comparison through an Independent Agent: Getting the Best Value

The standard way of shopping for anything is deciding what you want and then comparing the prices offered by different stores, companies or providers before making a purchase. And in the auto insurance industry too, a meticulously research, shopping around and rate comparison can help you to save loads of money. In fact, to get the best deal car insurance, the rule is to determine the coverage amount you need, get coverage recommendations and quotes from as many providers as possible, and conducting scrupulous like-for-like policy comparisons, before making your choice. Making a thorough auto insurance comparison will allow you to identify and choose a policy that will give you the biggest savings.

Auto Insurance Compare: Steps of Making Your Cost Comparisons

The auto insurance market has become increasingly competitive, compelling providers to offer amazing deals to their clients. Therefore, if you shop around smartly for your car insurance policy, you are likely to make huge savings. The first auto insurance compare step is asking for quotes from as many reputable providers as possible. As a rule, you should never compare quotes from less than three car insurance companies. And once you receive the quotes, assess them line by line in order to be sure that you are comparing apples with apples. The second auto insurance compare step is comparing the limits of liability coverage provided by every policy. The best policy should have the lowest cost but the highest liability coverage in order to meet the costs of accident-related damages. Higher limits will increase your insurance score too. The third step in the comparison is to check for the size of the deductible, your eligibility for discounts and how you will be covered if you involve in an accident with an uninsured driver. While this process is good it can be time consuming and there could be some traps like giving your info to who knows who and having it sold?

Getting the Best Auto Insurance: Why You Should Use an Independent Insurance Agent?

An easier way and safer way…Apart from saving money on the cost of insurance through policy comparisons, you can benefit greatly from the help and advice of a local independent auto insurance agent. Independent insurance agents represent several car insurance firms and can quote a broad range of insurance products. The agents are professionals in the field and usually have the opportunity to study different insurance carriers in order to match the needs of their clients with the most relevant coverage. In fact, if a policy is only competitive and attractive in the first year and is costly in subsequent years, an independent agent will notice the anomaly and advice you accordingly, helping you to get the most comprehensive coverage at the best possible price.

Independent agents are licensed professionals with strong community and customer ties. They represent multiple companies – not just one.  Because they compare quotes everyday they’ll know which companies have the best prices and services in your area – therefore help their clients to determine insurance needs, access broader policy options, get low-cost coverage, make claims, and make periodic coverage reviews according to changing insurance needs. Besides, independent car insurance agents are value hunters who not only care about their clients’ pocketbooks and always look for the best combination of coverage, price and service for their clients. They also make certain there are no coverage gaps or surprises at claim time wiping out any savings and adding headaches. The agents understand the market; know who to call, how and when to make claims, and where to get solutions for the specific needs of their clients. Furthermore, their services are affordable and they help eliminate the risks of sharing personal information online when looking for the best auto insurance deals. Are you looking for the best deal car insurance coverage? You can achieve your desire by comparing policy prices and quality through an independent agent. It’s the easiest, fastest and safest way to shop. Take the real short cut. Call 612.460.7796 or click to start comparing.  Get Quotes

Should You Purchase GAP Insurance Coverage?

GAP InsuranceChance are good that are when you purchased your new vehicle, the dealership offered you, along with extended warranties, sealants and other extras, gap insurance or “guaranteed asset protection” to protect you from your cars value depreciating lower than your vehicle’s loan balance. GAP insurance may be good idea to purchase it if you don’t make a big down payment and the thought of making payments on a vehicle that was totaled would make you cringe.

It is not uncommon for a vehicle to depreciate by 40% the first two years of ownership and most of that is in the first months of ownership. If your vehicle cost you $50,000 and a few months later you have an accident and it is totaled. For ease of illustration – let’s say your vehicle fair market value is now 40,000 and you owe $48,000. You will be on the hook for $8,000. The loan company will want their money. It’s the old paying for a dead horse scenario.

If you leased a vehicle it was most likely required or factored into the lease. It was added in to protect their asset.

Here are the big tips: If you don’t put down a large down payment and/or you don’t want to take the risk of losing the difference between loan value and market value – you should purchase it.

If you decide GAP insurance is a good idea – get it from your current auto insurance agent. It will most likely be significantly less.  Do it right away as it may not be possible to do it later.  Some companies only allow it at the time of purchase or for a limited time after.

The dealership’s finance person will most likely put the hard sell on you and tell you want it you must purchase right then and there or not at all. They don’t want you contacting your agent, getting advice, and comparing.

If you are a sharp shopper you should tell the finance person thanks, but no thanks. Your insurance agent can add it to your policy – probably for less than half – and if you want to drop it after two or three years you can take it off your policy. It’ll be easier It would be best to call your agent before hand just to make sure your company offers it. There are, although not many, a few companies that do not offer it.

Many people have been purchasing GAP insurance from the dealer at the time of purchase. It can be an emotional and exciting time. Hey – you’re getting a new vehicle and it’s a happy fun time. However, it is easy to get caught into buying the insurance and paying double to protect your new asset. People will buy more when they are excited and in the buying mode. Call your agent and see what it would cost. Use the money saved for extra payments or some new accessories.

This article was written to inform and save you some money. Stay aware.  Take a few minutes and do the math. You will be quite surprised how much you will save. It will probably be around two vehicle payments.

Link to this page:

Should you buy GAP insurance?

Cars that get over 200,000 miles

Car in MPLS Purchasing a car should never be considered an investment, mainly because it loses value the moment you drive it off the lot.  You have taxes and higher insurance costs to consider then the more miles you put on it will drop its value.  It’s not the greatest investment.

However, with regular maintenance, a good auto mechanic and body shop you can keep your car running well for years and get the most mileage for your money.  The money you save can on payments, insurance, tabs, etc. can help pay for or put a large down payment on your next new vehicle.

A study iSeeCars.com found the top vehicles most likely to reach 200,000 miles, based on data it had of vehicles for sale with that many miles or more on the odometer. Pickup trucks were found to be driven longer, at 90,000 miles on average per listing, compared to 75,000 average miles for a car. Pickup trucks – if well kept seem to look timeless.

Here are the top vehicles reaching 200,000 miles or more are:

  1. Ford F-250 Super Duty
  2. Chevrolet Silverado 2500HD
  3. Chevrolet Suburban
  4. Toyota 4Runner
  5. Ford Expedition
  6. GMC Sierra 2500HD
  7. Chevrolet Tahoe
  8. GMC Yukon XL
  9. Toyota Sequoia
  10. GMC Sierra
  11. GMC Yukon
  12. Honda Accord

Want to try and get to 200,000?

Getting to 200,000 miles in today’s vehicles is like to getting 100,000 miles was in the past, mainly because cars are built so much better today.

Preventative maintenance with regular oil changes and keeping your car washed and free of dents and scratches is the best way to increase mileage and longevity. This includes replacing belts, timing belts and transmission clutches at recommended mileage levels, and checking fluid.

In places like Minneapolis the body is likely to go before the mechanical fails – so, it’s important to keep’em clean and the salt off.

 

How many miles does your vehicle have?  Comment below and send a picture if you can.

 

Know the basics of auto insurance

It helps to know about the basics of auto insurance.  Many people don’t know and it costs. Picking auto insurance that fits your needs and the needs of your family is important, so here we’ll give you the basics.  Many people shop on price alone and lose site of the purpose of auto insurance.  What’s the point of buying a cheap policy for a good price if it doesn’t provide you with the coverage you may need?

Here you’ll find information about car insurance and answers to some common questions. If after reviewing this material, you still have questions, call one of the insurance specialists.  They’re here to help you and won’t pressure you – they’ll just help you.

What is auto insurance?

 Auto insurance is meant to cover you if you cause injuries to others or damage their property in an auto accident. It  also provides protection if your vehicle is damaged in an accident or is stolen. What protection you have is spelled out in your auto insurance policy.

An auto insurance policy is a contract between you and an insurance company. You, the customer, pay a certain price (“premium”) to the insurance carrier in exchange for a set of coverages you select. Your policy describes what the insurance provider will or will not cover.

 

What does auto insurance cover?

At a high level, auto insurance typically provides four basic things—liability coverages (for injuries to others and damage to their property), coverage for damage to your car or cars, coverage for medical expenses and uninsured motorist coverages (for situations where someone without enough insurance injures you or a family member). There are a variety of coverage options available; they may vary by state and company.

 

What are the common auto insurance coverages?

Bodily injury liability coverage generally pays damages for bodily injuries to the driver and passengers of the other vehicle when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Property damage liability coverage generally pays for damages to another person’s property (e.g. their car) when you are responsible for an accident. It also provides coverage to defend you if you are sued because of an auto accident.

Medical payments coverage generally covers you, household relatives and your passengers for medical expenses that result from injuries sustained in an auto accident. It also covers you as a pedestrian if you are hit by a vehicle.

Some states have personal injury protection (PIP) in place of, or in addition to, medical payments coverage. This is also known as no-fault coverage. PIP can generally pay for medical expenses, funeral expenses, loss of income and other expenses for injuries or death due to bodily injury sustained as the result of a car accident.

Uninsured or underinsured motorist bodily injury coverage generally pays for damages for bodily injury to you and your passengers when caused by another in an auto accident and the person legally responsible either has inadequate or no insurance. This coverage varies greatly by state. In some states it may be a combined coverage, while other states may offer it as two separate coverages (e.g. one for uninsured motorists and one for underinsured motorists).

Collision coverage generally pays for damage to your car if it hits another car, object, or overturns. A deductible applies to this coverage.

Comprehensive coverage generally pays for damage to your car if it is stolen or damaged by certain causes other than collision, such as fire, theft, hail or vandalism. A deductible applies to this coverage.

What should I consider when purchasing auto insurance?
When purchasing auto insurance, make sure you find coverage that fits your needs. Think about you and your family’s specific circumstances, including your risk tolerance and your budget. If you aren’t sure what type of things you should consider, read below. Or, get help by working with an insurance agent which is what we recommend as it doesn’t cost any more to have a pro on your side and will likely help you save.

Local agents likely know which companies offer discounts or savings incentives.  An experienced agent will know how to get you the best coverage at the lowest cost.  Sometimes it actually cost less when you have better coverage with higher liability limits as it places you into different rating tiers and helps your insurance score.

When you shop online and purchase without an agent – you become your own agent and if you make a mistake like not adding glass coverage or some other more important coverage it won’t be covered.  If an agent makes a mistake they have E&O insurance.  The insurance company is the only one to benefit by you acting as your own agent.

 

You could also check out the blog as it has many articles on savings and tips. Below are a few simple questions to help you start evaluating your needs.

  1. What is your household salary? What are my assets? How much in savings and equity do I have? How much are you willing to risk and insure? Essentially, the higher your salary and net worth, the more you stand to lose if you are ever found liable for an accident.  The more attractive to attorneys you become. The more assets you have, the more coverage you might want to consider.
  2. How old is my car and how much is it worth? Do I own my car outright or is it leased or financed? The model year and original cost of your car helps determine the approximate value of your car today. If the value of the car is low and you own it outright (i.e. no loan or lease), you may want to think about whether you really want comprehensive or collision coverages. On the other hand, if you lease or finance your car, your lender or car dealership probably requires comprehensive and/or collision coverage.
  3. How much am I willing to pay out-of-pocket? Deductibles are applicable to certain coverages, such as comprehensive and collision coverages. In the event of a loss, a deductible is the amount that you must pay out-of-pocket before your insurance kicks in. A higher deductible could lower your premium.
  4. Do I have health insurance? Auto insurance can include medical payments coverage for you and your passengers. If you don’t have your own health insurance, you should consider purchasing some type of medical payments coverage on your policy.
  5. Do I have children of driving age? Children are generally more inexperienced drivers and can present a greater risk on the road. If you have children of driving age, you might want to consider purchasing higher limits of liability coverage.

 

MPLSCarInsurance

Know the basics of auto insurance

 

 

 

 

 

Friendly local agents are here to help you get bigger savings, better coverage, and provide you with the best service.

Call the Minneapolis Auto Insurance Specialists Team 612-460-7796.

Cheap Car insurance

Looking for cheap Car Insurance?

Of course, nobody wants to pay a lot for their insurance.  All the commercials say you can save a ton by checking them out.

Here’s the deal… Many people in an effort to save money on their insurance try shopping online and just getting frustrated.  Here’s why.  The first thing many people do is assume all insurance is the same.  It’s not.  Many people will go online and request the lowest liability limits and the lowest deductibles.  All this does is create greater risk and higher costs.

You see one of the rating factors insurance companies use is prior liability limits.  The higher the limits you have the better it impacts your score.  Also, if you ever end up in anything other than a minor accident – you’re low deductible will be covered – but, you may be on the hook for tens of thousands of dollars.  The state minimums were set back decades ago and do not reflect the current costs of a vehicle or medical costs or any liability costs really.

You want to find the best coverage at the lowest price not a cheap policy for a good price.  You want a company that handles claims fast and fair too.  You also want an agent who is local and easy to get a hold of when you need them.

If you’d like to get quotes easy, fast, loacal and save money then may we suggest using a local independent agent who represents many companies and knows how to get the best rates.  Why sell yourself short and try to do it on line and take chances you’ll buy the right policy and not have your name sold all over the internet.  Many insurance sites just gather your details and sell your information to a bunch of agents and companies –  and some are just other more companies that sell your information.  Save 15% ?  It’s possible – but, unlikely.  Use a local agent – don’t fall for the hype – even if they are on super bowl commercials or the ad was funny.

 

 

Pet Insurance Coverage

Minneapolis pet Insurance for dogs
With our Pet Injury coverage, customers’ auto, boat, RV and now commercial policies protect their dogs or cats too.

What is Pet Insurance Coverage?

Pet Injury coverage comes complimentary with Collision coverage, and if your customers’ dog or cat is injured in an accident while riding with them,  Companies like Progressive will pay up to $1000 to help with veterinary bills and medicine.

 

When Can Pet Injury Coverage Be Used?

Minneapolis Pet Insurance coverage can be used whenever a pet is injured during a claim covered by Collision or Comprehensive coverage. This coverage is available for pets riding in the car and owned by your customer or his/her relatives.

Pet Injury coverage is built into Collision coverage – there’s no added cost if the customer chooses to use it or not use it. Collision coverage must be included on at least one covered vehicle on the policy to receive Pet Injury coverage.

 

Coverage Highlights

  • Coverage is limited to dogs and cats owned by the named insured and resident relatives.
  • Only covers injuries sustained in a “collision” or “comprehensive” claim.
  • The pet must be inside the vehicle when injured to be covered (includes pickup truck beds).
  • $1000 is the most Progressive will pay in a collision or comp claim regardless of number of pets injured or that die.
  • Pays up to $1000 for veterinary bills if a pet is injured in a coll/comp claim.
  • Pays $1000 if the pet dies as a result of the coll/comp claim. The insured does not need to replace the animal to get paid.
  • In cases of theft, we will cover a stolen pet for the $1000 death benefit only if there is a total theft of the car while the pet is in it.
  • The customer will need to provide proof of payment to be reimbursed for vet bills.
  • There is no coverage if there is not Collision coverage on at least one vehicle listed on the policy. If Collision coverage is purchased on any one vehicle, Pet Injury coverage is provided whether the pet is in the vehicle with collision coverage or one of the other vehicles that may not have collision on the policy, or in a “non-owned” car as defined in the policy. Furthermore, there is coverage if the pet is injured, dies or is stolen as a result of an event that fits the definitions of Comprehensive (even if Comp coverage has not been purchased).
  • If the loss is excluded for the vehicle under Part IV of the policy, coverage for Pet Injury is also excluded.

 

  • Not all carriers offer Pet Insurance coverage – consult your insurance specialists as they will have options for you if your provider doesn’t offer this coverage.