Additional Personal Injury Protection

In addition to mandatory PIP, in New York drivers have the option to select additional PIP coverages. They include Out of State Extension and Full additional coverages.

Out of State Extension provides coverage at the mandatory limits for guest occupants who are:
not residents of the state, and who are injured outside of New York.

Full additional PIP includes the Out of State Extension, and in addition:
increases the coverage to $100,000. This includes loss of earnings to $4,000 per month and other expenses up to $50 a day.

Optional Basic Economic Loss

OBEL provides $25,000 additional coverage for:

1. Basic Economic Loss
2. Loss of earnings from work
3. Psychiatric, physical, or occupational therapy and rehabilitation
4. Or any combination of 2 or 3.

The named insured, resident relatives and guest occupants are covered by this coverage.

Collision

Pays for loss to your covered vehicle when it collides with another object or overturns. We will also pay for a collision loss to any non-owned vehicle, or to a vehicle you have rented other than a vehicle rented for use in connection with your business or employment, while that vehicle is in your custody, or while you are operating it.

Common Exclusions (No Coverage)

1. Damage or loss to a vehicle, while being used to carry persons or property for compensation or a fee
2. Damage or loss resulting from intentional acts, racing, or preparing for a race and/or stunt activity
3. Damage or loss customs parts or equipment, including electronic equipment, in excess of the value declared in the application
4. Damage or loss to tapes, compact discs, other media or their carrying cases.

Comprehensive

Pays for loss or damage to your covered vehicle caused by any event other than collision. This includes damages due to events such as fire, theft, windstorm, flood, and vandalism. We will also pay transportation and loss of use expenses under this coverage if your motor vehicle is stolen.

Common Exclusions (No Coverage)

1. Damage or loss to a vehicle, while being used to carry persons or property for compensation or a fee
2. Damage or loss resulting from intentional acts, racing, or preparing for a race and/or stunt activity
3. Damage or loss customs parts or equipment, including electronic equipment, in excess of the value declared in the application
4. Damage or loss to tapes, compact discs, other media or their carrying cases.

Custom Parts and Equipment

Custom Parts or Equipment coverage provides up to $1,000 of coverage for certain parts and equipment that were not original manufacturer installed. If you buy collision or comprehensive coverage, or both, $1,000 of Custom Parts or Equipment coverage is automatically provided. If you need more coverage, up to $4,000 additional Custom Parts or Equipment coverage may be purchased.

For example, if $1050 is the desired coverage amount, you should subtract the $1000 already included with the Comprehensive and Collision coverages to calculate the amount of additional Custom Parts and Equipment coverage needed. For this example, you would enter $50. If the Custom Parts and Equipment value you are entering is more than $4,000, the vehicle must be rated as Stated Amount. To do this call Progressive at 1 877 PROG COM.

Full Window Glass Coverage

Full Window Glass Coverage is an optional coverage which is offered with Comprehensive Coverage. Full Window Glass Coverage pays for damage to your vehicle's windows at no deductible.

Medical Payments

Pays certain medical and funeral expenses resulting from a motor vehicle accident. This coverage protects anyone occupying your vehicle. It also covers you and relatives who reside in your household while in other vehicles or if struck as a pedestrian. These benefits are payable without regard to fault. This coverage is excess to Personal Injury Protection, Additional Personal Injury Protection, and Optional Basic Economic Loss coverage.

Common Exclusions (No Coverage): Similar to Residual Bodily Injury

1. Bodily injury/death when you are using your vehicle to carry persons or property for a fee
2. Liability assumed under a contract
3. Bodily injury/death to an employee
4. Bodily injury/death caused by an intentional act
5. Property owned by, rented to, or in the charge of an insured person
6. In most cases, bodily injury/death to you or relative
7. Bodily injury/death or property damage resulting from a relative's use of a vehicle, other than a covered vehicle, owned by a person who resides with you
8. Bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle

Property Damage Liability

Pays when an insured person is legally liable for damage to the property of others caused by your vehicle and your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued.

Common Exclusions (No Coverage)

1. Property damaged when you are using your vehicle to carry persons or property for a fee
2. Liability assumed under a contract
3. Property damage caused by an intentional act
4. Property owned by, rented to, or in the charge of an insured person
5. Property damage resulting from a relative's use of a vehicle, other than a covered vehicle, owned by a person who resides with you
6. Property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle

Personal Injury Protection

The state of New York requires you to carry a minimum coverage to protect a driver or passengers injured in a vehicle and to pedestrians injured by your car, regardless of fault.

These coverages include up to a $50,000 per accident for:

1. Medical expenses
2. Work Loss Benefits: Loss of earnings from work up to $2,000 per month (unless you have chosen PIP with "Excludes Work Loss Benefits")
3. $25 per day (for up to a year) for all other reasonable expenses
4. Death Benefit of $2,000

The insured can choose a $0 or $200 deductible. This applies to the named insured and his or her resident relatives.

Residual Bodily Injury Liability

New York is a "no fault" state. Personal Injury Protection (PIP) is the primary coverage and each insured would first file a claim for bodily injury through his own insurance company under his PIP coverage. Residual Bodily Injury (RBI) pays for noneconomic damages (such as "pain and suffering") and for death to others when you are at fault for an accident. Noneconomic damages can be recovered if the injury is serous enough to exceed the "verbal threshold" such as those injuries involving loss of limb, dismemberment, or disablement of more than 90 days. PIP does not have to be exhausted before a claimant having these types of injuries can collect under the at-fault party's RBI.

Common Exclusions (No Coverage)

1. Bodily injury/death when you are using your vehicle to carry persons or property for a fee
2. Liability assumed under a contract
3. Bodily injury/death to an employee
4. Bodily injury/death caused by an intentional act
5. Property owned by, rented to, or in the charge of an insured person
6. In most cases, bodily injury/death to you or relative
7. Bodily injury/death or property damage resulting from a relative's use of a vehicle, other than a covered vehicle, owned by a person who resides with you
8. Bodily injury or property damage resulting from your operation or use of a vehicle owned by you, other than a covered vehicle

Rental Reimbursement

Pays expenses to rent a car if you have a loss covered under Comprehensive Coverage or Collision Coverage. Pays up to the limit selected per day to the maximum indicated.

Supplimental Uninsured Motorist

This optional coverage expands your basic Uninsured Motorist coverage. For an additional premium, you can purchase limits up to your Bodily Injury liability limits. If you have an accident with another vehicle that is insured but has bodily injury liability limits lower than yours, or if such vehicle has no insurance at all, SUM coverage will be activated if it has been purchased. Compensation covers pain and suffering and any medical bills above and beyond the coverage limits under PIP. This coverage applies to accidents which occur anywhere in the U.S., its territories or Canada.

Some Exclusions (No Coverage):
No coverage for bodily injury/death sustained by any person while using or occupying an uninsured vehicle owned by the person.

Towing and Labor

Reimburses you up to the limit selected for emergency towing of your car.

Uninsured Motorist

Protects you, your resident relatives, and occupants of a covered vehicle if any of these insured sustain bodily injury, including any resulting death, in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance or is a hit-and-run motorist. The coverage provides protection for accidents that occur within the state of New York.

Some Exclusions (No Coverage)

1. Bodily injury/death sustained by any person while using or occupying a vehicle while under suspension or revocation
2. Bodily injury/death sustained by any person while using or occupying an uninsured vehicle owned by the person