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e M n o s ’ o f n i s i Th To find the right car insurance, you need the facts. We put together this summary with the basics about coverages, deductibles and more. Your local agent can give you expert advice about the coverage options that work best for you. Give him or her a call today for help tailoring a policy just for you. Tell ‘em The Messenger sent 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 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.

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.

We also pay for damage if you hit an animal, and we pay for a rental vehicle if your car is stolen.

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.

Collision 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.

Henriott Group, Inc

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 With Med Pay, also known as Medical Payments, we pay for reasonable and necessary medical care you need as the result of an accident, regardless of who’s at fault, up to the applicable limits.

Uninsured Motorist Property Damage (UMPD) 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 policy.

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Henriott Group, Inc Uninsured/Underinsured Bodily Injury (UMBI)

Rental Reimbursement

With UMBI coverage, we pay for damages you incur, 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 Rental Reimbursement coverage, we pay for your rental car while your vehicle is being repaired. You can buy Rental Reimbursement if you have Comprehensive and Collision coverage. We’ll pay for 30 days of rental, up to the maximum per-day amount shown on the declarations page of your policy.

Personal Injury Protection (PIP)

Roadside Assistance

With Personal Injury Protection (PIP), we pay for medical bills 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. PIP limits vary by state.

With Roadside Assistance, we pay for repairs or towing services when your vehicle breaks down due to mechanical 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 in the snow or mud within 100 feet of a road.

Loan/Lease Payoff Coverage With Loan/Lease Payoff coverage, also known as Gap coverage, we pay the difference between the settlement amount and the amount you owe your lender if we declare your vehicle a total loss after an accident. If you lease your vehicle or have a loan, you can buy Loan/Lease Payoff coverage. We pay up to the limits you chose when you bought the policy.

250 Main Street., Suite 650 Lafayette, IN 47901


Additional Custom Parts and Equipment 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.

Discounts vary by state. 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.

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What you don't know can cost you  
What you don't know can cost you  

To find the right car insurance, you need to know the facts. This summary outlines the basics about auto insurance coverages, deductibles a...