Dear valued customer,
Thank you for placing your business with our agency and Progressive.
Recently, Progressive made some changes to their Personal Auto contract and we want to make you aware of them.
1. They have added “rated resident” to the contract. This means, a roommate or domestic partner, when listed on the policy and who drive the vehicle, is now covered for non-owned vehicles and as a pedestrian, in the same way you, the named insured, and relatives are covered. Previously, a “rated resident” wasn’t afforded the same coverage in the policy as the named insureds and relatives. 2. They have changed the Loss Payable clause so it doesn’t protect the lienholders interest when coverage is not available to the insured for the loss. Previously, the lienholders interest was sometimes protected when coverage to the named insurance was denied. 3. They will pay for three roadside assistance claims in a six-month period, per covered vehicle. Previously, roadside assistance claims were unlimited. 4. They’ve revised the Duty to Report section to clarify any material changes to your policy be reported within 30 days of the change (formerly, changes were to be reported “promptly”). If changes aren’t reported within 30 days of the change, they may deny first party coverage. Some examples of material changes are: a minor got their driver’s license/permit, an exchange student is living in the home for at least four months and is driving the insured vehicle, a significant other just moved in and is driving the insured vehicle, the insured got a roommate who’s driving the insured vehicle, the location where the insured vehicle is garaged has changed from Syracuse to Brooklyn, etc. Previously, the contract stated that you have the duty to promptly report changes. 5. They clarified that damage caused as the result of the use of nuclear, biological, or chemical weapons is not covered under the contract. This type of damage was already largely excluded under the “war” exclusion in the previous version of the contract.
You’ll receive from Progressive documentation with your policy documents, highlighting these changes.
As your independent agent, we want to make sure you are aware of these changes as well as the importance to notify us or Progressive of any material change that may occur during the life of your policy. This letter is meant to inform you and we recommend you review your new policy when you receive it.
If you have any questions, please contact our agency anytime.
We value and appreciate your business and look forward to serving you for years to come.