PHONE: (620) 347-8679 FAX: 620-347-4807 TOLL FREE: (888) 256-6346
420 East Washington St, Arma, KS 66712
PO Box 846, Arma, KS 66712
Additional Interest Insured
Another person or company who may be liable for an accident involving an insured or an insured vehicle and who has been named as an Additional Interest Insured under the policy.
BI/PD Bodily Injury / Property Damage Liability Coverage.
For example, 25/50/10 means $25,000 per person per accident for bodily injury /$50,000 total per accident for bodily injury /$10,000 property damage per accident
Bodily Injury Liability
Pays when an insured person is legally liable for bodily injury or death caused by your vehicle or your operation of most non-owned vehicles. This coverage also pays for your legal defense if you are sued.
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.
Insurance coverage was in effect from an insurer or more than one insurer at all times, without a break or lapse in coverage for any reason.
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.
The report from your insurance company listing:
The amount of each loss you agree to pay. Generally, choosing a higher deductible will lower your premium.
Provides information concerning whether the driver has been rated or listed on the policy.
The ZIP code where your vehicle is parked or garaged when not in use. This is usually your primary residence.
A "good" driver is a driver who has been licensed to drive for the previous three years has only one DMV point in the last three years (one minor violation like speeding), has had, at most, one at-fault accident that caused property damage only during the past three years, and has not been convicted of certain vehicle-related crimes during the past seven years. Any person who claims to meet the definition of a good driver based entirely or partially on a driver's license and driver's experience acquired anywhere other than in the U.S. or Canada is presumed to be a good driver if he or she has been licensed to drive in the U.S. or Canada for at least the previous 18 months and otherwise meets the definition of a good driver for that period.
The most the insurance carrier will pay for a specific insurance coverage. You may choose the limit which meets your needs. Most states have laws that specify the minimum limits you must purchase.
Loan Lease Payoff
Loan Lease Payoff coverage requires Comprehensive and Collision coverage and a loss payee. This coverage is only available on new (current model year) vehicles.
Medical Payments Coverage
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 may not be available in states that require Personal Injury Protection Benefits.
Common Exclusions are similar to those for Bodily Injury Liability Coverage.
The first person in whose name the insurance policy is issued.
The person who is not the primary or principal driver of the vehicle.
Policy Expiration Date
The date when your current insurance policy expires.This date can be found on your current Declaration page, insurance identification card, or recent cancellation notice. This date is not to be confused with the date of your next payment or the date when your renewal payment is due.
The length of time that the policy is in force. In most states, Progressive offers annual and semi-annual policies.
The place where you will reside for the majority of your policy term.
What your vehicle is mainly used for:
The person who drives the car most often.
Property Damage Liability
Pays when an insured person is legally liable for damage to the property of others caused by your vehicle your operation of most non-owned vehicles. This coverage also pays for your legal defense costs if you are sued. Common Exclusions: Same as Bodily Injury Liability Coverage exclusions, but the exclusions apply to damage to property.
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.
Second Named Insured
The named insured or listed agent on a policy may request to designate any other person listed on the policy as a "second named insured". The second named insured has the same coverage under the policy as the named insured.
A document required as proof of financial responsibility by the court or under state law for persons convicted of certain traffic violations.
Towing and Labor
Reimburses you up to the limit selected for emergency towing of your car.
Underinsured Motorist Bodily Injury Coverage
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 enough insurance.
Uninsured Motorist Property Damage Coverage
Available in some states, usually as an alternative to Collision Coverage. This coverage pays you for damage to the covered vehicle that has been sustained in an accident in which the owner or operator of a motor vehicle who is legally liable does not have insurance. In some states, it may also pay you for damage to personal property in the covered vehicle at the time of an accident. This coverage is not available in all states.
The vehicle identification number (VIN) on your vehicle. This number is usually found on the dashboard of your vehicle on the driver's side, and is usually listed on the vehicle registration and title. The VIN number is a combination of letters and numbers 17 characters in length that can be used to identify the make, model, and year of your car.