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12-01-2021, 06:33 PM
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#1
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Member
Monaco Owners Club Fleetwood Owners Club
Join Date: Jul 2015
Location: Albuquerque
Posts: 65
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Progressive insurance uninsured coverage
NM state Supreme Court now requires insurance companies to fully disclose uninsured coverage.
our policy now states 100,000 for property loss. even tho liability is 250/500 per accident, if an uninsured/ under insured motorist hits me, the maximum I will receive in the event of a loss is 100k. Even tho my coach is worth 250k. when I pressed progressive they stated this is the
maximum that can be purchased. doesn't make any sense if someone hits me, my rig isn't covered for the whole value. Curious to know what others are doing.
thanks
Craig
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12-01-2021, 06:56 PM
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#2
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Senior Member
Join Date: Sep 2019
Location: Fort Myers FL
Posts: 137
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Wouldn't your collision coverage pay the loss? Property damage covers your damage to another.s property.
Under/uninsured liability covers your injuries when you are injured by an underinsured or uninsured motorist.
__________________
@014 Sunseeker,replaced 2020 with 2016 Bay Star, replaced 2024 with 2020 Ventana. 2017 Wrangler 2 dr Soft top, Full time as of 1/1 24
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12-01-2021, 07:52 PM
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#3
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Senior Member
Newmar Owners Club Ford Super Duty Owner
Join Date: Jun 2012
Location: CA
Posts: 2,200
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Progressive insurance uninsured coverage
You can also get covered for a specified dollar amount. When I purchased my RV I specified the amount it was purchased for. If totaled, I will get that amount, rather than the current value of the RV.
In the coverage, it is the “physical damage option” I have “Total Loss Replacement/Purchase Price” specified.
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12-01-2021, 08:25 PM
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#4
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Junior Member
Join Date: Jul 2019
Location: N Florida
Posts: 13
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You do not have a grasp of what each coverage is for. I would recommend you call your agent for a better understanding of the coverages.
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12-02-2021, 06:03 AM
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#5
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Senior Member
Join Date: Mar 2009
Location: Apollo Beach & Key West , FL
Posts: 3,810
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My agent stated that uninsured motorist coverage is for medical coverage. She also had me cancel that on my policies once I became eligible for medicare as medicare covers it as primary .
__________________
2013 DS 4338
2015 F-150 toad with kayaks,bicycles and a Harley in the back
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12-02-2021, 06:21 AM
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#6
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Senior Member
Join Date: Jul 2005
Posts: 5,996
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Quote:
Originally Posted by craighouston
NM state Supreme Court now requires insurance companies to fully disclose uninsured coverage.
our policy now states 100,000 for property loss. even tho liability is 250/500 per accident, if an uninsured/ under insured motorist hits me, the maximum I will receive in the event of a loss is 100k. Even tho my coach is worth 250k. when I pressed progressive they stated this is the
maximum that can be purchased. doesn't make any sense if someone hits me, my rig isn't covered for the whole value. Curious to know what others are doing.
thanks
Craig
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Liability and property loss coverage are two different things. Someone has managed to confuse you. Sorry.
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TandW
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12-02-2021, 07:05 AM
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#7
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Senior Member
Join Date: Feb 2020
Location: North Georgia Mountains
Posts: 588
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We previously owned an Insurance Agency and Progressive was one of our carriers, we also use Progressive for our motorhome coverage. Your statement is correct: you currently have 250/500 for uninsured motorist liability, what this translates into is 250,000 per person and up to 500,000 for all occupants of your motorhome for medical and personal loss expenses if an uninsured motorist is at fault in an accident with your coach. You are also right that you currently have 100000 in direct uninsured motorist property damage for all damage due to an uninsured motorist that is at fault in an accident with your coach.
If your state insurance commissioner has mandated that a carrier cannot sell uninsured motorist coverage greater than your 250/500/100 then that is the law and would be applicable to all carrier's operating within your state.
I would recommend contacting Progressive directly and what I would expect, as their response, is that if an uninsured motorist totaled your motorhome the 1st 100000 would be paid out under uninsured motorist property damage coverage and the remaining would be paid out under your normal property damage coverage we typically associate with our own at fault accidents or acts of God outside of your direct involvement, such as tornadoes, fire, etc. You should not be at any exposure but I would want to get that answer directly from Progressive.
__________________
2007 Newmar Baystar; 3201; SumoSprings Front; Timbren Springs Rear; Safe-T-Plus; 2016 Fiat 500; Roadmaster Falcon 2;Demco SBS DUO Braking System;TST 507; Bilstein shocks; Garmin RV 785; Supersteer Rear Trac Bar, Thule Easyfold XT2,RVWhisper
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12-02-2021, 07:54 AM
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#8
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Senior Member
Tiffin Owners Club
Join Date: Feb 2017
Location: Frankfort, KY
Posts: 1,906
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Quote:
Originally Posted by rffowler55
We previously owned an Insurance Agency and Progressive was one of our carriers, we also use Progressive for our motorhome coverage. Your statement is correct: you currently have 250/500 for uninsured motorist liability, what this translates into is 250,000 per person and up to 500,000 for all occupants of your motorhome for medical and personal loss expenses if an uninsured motorist is at fault in an accident with your coach. You are also right that you currently have 100000 in direct uninsured motorist property damage for all damage due to an uninsured motorist that is at fault in an accident with your coach.
If your state insurance commissioner has mandated that a carrier cannot sell uninsured motorist coverage greater than your 250/500/100 then that is the law and would be applicable to all carrier's operating within your state.
I would recommend contacting Progressive directly and what I would expect, as their response, is that if an uninsured motorist totaled your motorhome the 1st 100000 would be paid out under uninsured motorist property damage coverage and the remaining would be paid out under your normal property damage coverage we typically associate with our own at fault accidents or acts of God outside of your direct involvement, such as tornadoes, fire, etc. You should not be at any exposure but I would want to get that answer directly from Progressive.
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This is a really informative post and I thank you for taking the time to explain it. I am going to take the time to call my insurance agent and make sure I fully understand what the coverages are. For me, this can be confusing so the recommendation to get it directly from the insurance company is a very good suggestion. Thanks again for this post.
__________________
Scott and Deanna
2014 Tiffin Allegro Bus 45LP
Home base - Polk City, FL
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12-02-2021, 08:08 AM
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#9
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Senior Member
Join Date: Mar 2019
Location: Lansing MI
Posts: 2,821
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I would suggest you try and get the information in writing as it is very,very hard to document a verbal conversation. Good luck.
__________________
An Old Fisherman
2017 Nexus Ghost 36DS, 2014 Ford F150 Long Bed
2007 Harley-Davidson Ultra Classic
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12-05-2021, 11:01 AM
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#10
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Senior Member
Join Date: May 2014
Posts: 1,123
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Quote:
Originally Posted by arcaguy
I would suggest you try and get the information in writing as it is very,very hard to document a verbal conversation. Good luck.
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Not if you record it, and that’s what I would do if I was really concerned with my coverage.
__________________
Paul and Diane
2017 Entegra Anthem 44B
‘05 Toyota Tacoma- ‘19 Harley-Davidson Roadglide Ultra
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