What is the name of your state?MO
Here's my situation. I am married and we have four vehicles. We insure all of our vehicles through Progressive. Progressive separates their policies into three catagories: Personal, Motorcycle, and Commerical. We have the following coverage on different polices through them:
Personal: car and truck
Motorcyle: motorcycle
Commerial: husband's work truck
I was leaving for work and backed my car (personal policy) into my husband's work truck (commerical policy). Both vehicles have damage.
Progessive say's we have to pay a deductible for each vehicle because they are two separate claims the way our personal policy reads:
They will not pay for damage to personal property unless it is a "covered vehicle". They define covered vehicle as any vehicle on the declaration page with the exception that they will cover other vehicles as long as they insure all vehicles owned and the vehicle is not covered by any other policy. The part about not being covered by any other policy is the loop hole for them. The truck is covered by another policy (the commerical policy). I think this isn't fair because they would pay for the truck if it was on the same policy but they will not insure it on the same policy because it is a dually which they consider to be a commerical vehicle. I will have two claims against me. I believe the only reason my husband should have to pay his deductible is if he is responsible (which he isn't) or if he is hit by someone that doesn't have insurance (which I do). Is there anyway that we can avoid the two dedectibles? Please help, they won't budge.
Here's my situation. I am married and we have four vehicles. We insure all of our vehicles through Progressive. Progressive separates their policies into three catagories: Personal, Motorcycle, and Commerical. We have the following coverage on different polices through them:
Personal: car and truck
Motorcyle: motorcycle
Commerial: husband's work truck
I was leaving for work and backed my car (personal policy) into my husband's work truck (commerical policy). Both vehicles have damage.
Progessive say's we have to pay a deductible for each vehicle because they are two separate claims the way our personal policy reads:
They will not pay for damage to personal property unless it is a "covered vehicle". They define covered vehicle as any vehicle on the declaration page with the exception that they will cover other vehicles as long as they insure all vehicles owned and the vehicle is not covered by any other policy. The part about not being covered by any other policy is the loop hole for them. The truck is covered by another policy (the commerical policy). I think this isn't fair because they would pay for the truck if it was on the same policy but they will not insure it on the same policy because it is a dually which they consider to be a commerical vehicle. I will have two claims against me. I believe the only reason my husband should have to pay his deductible is if he is responsible (which he isn't) or if he is hit by someone that doesn't have insurance (which I do). Is there anyway that we can avoid the two dedectibles? Please help, they won't budge.
