KY AUTO POLICY BASICS
This section of the policy outlines the types of coverage available, including liability, collision, and comprehensive.
What is the Coverage Summary?
Liability coverage includes these two types of protection for accidents caused by the insured.
What are bodily injury liability and property damage liability?
This type of coverage pays for damages to your car if you hit another vehicle or object.
What is collision coverage?
This feature in ClaimPro allows you to view all actions taken on a claim, including updates and payments.
What is the activity log/Notes section?
This section in ClaimView allows you to check the current status of a claim (e.g., open, closed, pending).
What is the claim status?
Kentucky law requires this type of coverage to protect others if you cause an accident.
This is the maximum amount your insurance will pay for damages caused to another person’s property.
What is the property damage liability limit?
This type of coverage pays for damages caused by non-collision events, such as theft or hail.
What is comprehensive coverage?
This section in ClaimPro shows the name and contact information of the adjuster assigned to the claim.
What is the adjuster information?
This ClaimView feature shows the payment history for a claim, including amounts paid and dates.
What is the payment history?
This term refers to the amount you pay out-of-pocket before your insurance covers the rest of the claim.
What is a deductible?
Liability coverage does not apply if the insured is engaged in this type of activity while driving.
What is business use without proper coverage?
This is the term used to describe the value of a vehicle at the time of loss, factoring in depreciation.
What is actual cash value (ACV)?
This field in ClaimPro contains the unique identifier for each claim.
What is the claim number?
This section in ClaimView provides a summary of the type of coverage applied to a specific claim.
What is the coverage details section?
This optional coverage helps pay for medical expenses regardless of who is at fault in an accident
What is Personal Injury Protection (PIP)?
This type of liability coverage protects the insured if they are sued by a third party for damages.
What is legal defense coverage?
Damage caused by hitting this type of creature is covered under comprehensive insurance.
What is an animal (e.g., a deer)?
This section in ClaimPro allows users to upload and view supporting documentation, such as accident photos or police reports.
What is the EFF?
This feature in ClaimView flags potential fraud indicators for claims.
What is the fraud detection system?
This section of the policy explains what is NOT covered, including intentional damage or racing.
What are exclusions?
This type of liability coverage protects the insured if they cause an accident involving an uninsured driver.
What is uninsured motorist coverage?
If your car is declared a total loss, Progressive will pay this amount minus your deductible.
What is the actual cash value (ACV)?
This ClaimPro feature tracks the financial reserves set aside for a claim.
What is the reserve amount?
This ClaimView tool allows users to track subrogation efforts for recovering funds from third parties.
What is the subrogation tracking feature?