A simple explanation of
574-257-2435 car insurance—now
618 N MAIN ST To ﬁnd the car insurance policy that’s right for
IN 46545 you, you need to know what your options are.
We’ve put together this short summary to help
you learn about coverages, deductibles and
more. Call your agent for help customizing
the policy that’s best for you.
Bodily Injury/Property Damage liability (BI/PD)
With BI/PD coverage, we pay for the damages that you’re
responsible for after an accident. If you’re sued, we pay for
a lawyer to defend you.
With Bodily Injury coverage, we pay for the damages that
you’re responsible for, up to the limit you chose, if there’s an
injury or fatality.
With Property Damage coverage, we pay for the damages that
you’re responsible for, up to the limit you chose, if you damage
someone else’s property while driving. This can include another
vehicle, a mailbox, a home or other object.
With Collision coverage, we pay to repair your car when you hit—or
are hit by—another vehicle or object, regardless of who’s 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.
With Comprehensive coverage, we pay for repairs to your car when
there’s damage that’s caused by something other than a collision —
ﬁre, theft, vandalism, hail or ﬂood.
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 Pay Loan/Lease Payoff
With Med Pay, also known as Medical Payments, we pay With Loan/Lease Payoff coverage, also known as Gap
for reasonable and necessary medical care you need as the coverage, we pay the difference between the settlement
result of an accident, regardless of who’s at fault, up to the amount and the amount you owe your lender if we
applicable limits. declare your vehicle a total loss after an accident. If you
lease your vehicle or have a loan, you can buy Loan/Lease
Uninsured Motorist Property Damage Payoff coverage. We pay up to the limits you chose when
(UMPD) you bought the policy.
With UMPD coverage, we pay to repair damage to your
vehicle that’s caused by a driver who doesn’t have insurance.
We pay up to the limits you chose when you bought the With Rental Reimbursement coverage, we pay for your
policy. rental car while your vehicle is being repaired. You can
buy Rental Reimbursement if you have Comprehensive and
Uninsured/Underinsured Bodily Injury (UMBI) Collision coverage. We’ll pay for 30 days of rental, up to the
maximum per-day amount shown on the declarations page
With UMBI coverage, we pay for damages you incur,
of your policy.
including medical expenses and lost wages, when you’re in
an accident that’s 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. With Roadside Assistance, we pay for repairs or towing
services when your vehicle breaks down due to mechanical
Personal Injury Protection (PIP) or electrical issues, a dead battery, a ﬂat tire, a lock-out or if
you run out of gas. It also applies when your vehicle is stuck
With Personal Injury Protection (PIP), we pay for medical bills
in the snow or mud within 100 feet of a road.
and—in some states—other living expenses while you heal
if you’re unable to work as a result of an accident, no matter
who is at fault. PIP is often referred to as no-fault insurance.
Additional Custom Parts and Equipment
PIP limits vary by state. With Additional Custom Parts and Equipment, we’ll pay
for damage to aftermarket devices, accessories and other
permanent enhancements that alter a vehicle’s appearance
or performance. Examples include custom grills, upgraded
sound systems, aftermarket wheels and custom paint.
618 N MAIN ST
MISHAWAKA, IN 46545
Coverages may vary by state. Policies underwritten by Progressive Casualty Insurance Company and its afﬁliates, 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. 12A00003.V (04/12)