COVERAGE OVERVIEW
DISCLOSING DRIVERS
It is important to disclose all drivers- First Named Insured as listed on policy; others in the household – Spouse, Relatives such as children, Domestic Partner, and Unrelated Residents. Also, Regular Drivers Living Elsewhere must be disclosed.
TORT OPTION
PA Progressive Motorhome policies are issued with the Full Tort option. This allows for recovery of medical and out-of-pocket expenses. It also allows recovery for pain and suffering without qualification as “serious injury”.
IF YOU ARE INJURED
PA First Party Benefits offer
- Medical Payments
- Income Loss (optional)
- Funeral Benefit (optional)
- Accidental Death (optional)
IF YOU INJURE SOMEONE OR DAMAGE OTHERS’ PROPERTY
Liability protection provides legal defense and a settlement to
- those you may injure, or
- for property you may damage.
These limits can become outdated.
You can have additional coverage with a stand-alone Excess Liability Policy.
- Do you have assets to protect?
o Real estate
o Savings & investments
IF YOU ARE INJURED BY AN IMPROPERLY INSURED DRIVER
The occupants of your motorhome can be protected from injuries by Uninsured Motorists (no insurance at all) or Underinsured Motorists (legally insured, but with insufficient coverage). You can
- reject this optional coverage,
- lower the limit (matches the Bodily Injury Liability limit)
- reject stacking (multiplies the coverage times the vehicles on the policy).
YOUR MOTORHOME DAMAGE (OPTIONAL)
This includes Pet Injury coverage (up to $1,000) in addition to protection for your motorhome.
- Collision (roadway accident, hit-and-run)
- Comprehensive (fire, theft, vandalism, glass damage, flood, hitting a deer, & more)
ADDITIONAL OPTIONS
Emergency Expense coverage pays for costs incurred after a covered loss over 50 miles from home. $750 is included with Comprehensive & Collision. It can be upgraded by $2,000; or $7,500 for Full-Timers (RV as primary home).
Emergency Roadside Assistance provides reimbursement of reasonable emergency expenses such as towing.
Full-Timers Package is special protection for owners using the motorhome as a primary home. It offers Personal Liability, Medical Payments to Others, Loss Assessment, & Storage Shed Contents – much like a homeowner policy.
Personal Effects Coverage protects your contents at Replacement Cost up to $99,000 with a $100 deductible.
Total Loss Coverage is available for motorhomes no more than 1 year old.
Trailer Coverage can protect utility trailers and tow dollies. $2,500 is included with Collision and Comprehensive; up to $17,500 in optional coverage is available.
Vacation Liability provides Premises Liability coverage. $10,000 is included with Collision and Comprehensive. Options are offered to $500,000.
PROGRESSIVE PRODUCTS
Auto–Personal, Auto–Comm’l
ATV, Boat
Motorcycle, RV
Snowmobile, Umbrella
Motor Home, including Full Timers
Travel Trailer, incl. Park Models
Employment Practices Liability