Auto Insurance Top 5 Policy Overview Progressive Advanced Insurance Company

Insuring Agreement
Subject to the General Definitions, to all the terms, conditions, and limitations of Part VI—Duties In Case Of An Accident Or Loss, to all the terms, conditions, and limitations of Part VII—General Provisions, and to all the terms, conditions, exclusions, limitations, and applicable reductions described in this Part I, if you pay the premium for this coverage and coverage under this Part I applies, we will pay damages for bodily injury and property damage for which an insured person becomes legally responsible because of an accident. Damages include prejudgment interest awarded against an insured person. We will settle or defend, at our option, any claim for damages covered by this Part I.

Insuring Agreement
Subject to the General Definitions, to all the terms, conditions, and limitations of Part VI—Duties In Case Of An Accident Or Loss, to all the terms, conditions, and limitations of Part VII—General Provisions, and to all the terms, conditions, exclusions, limitations, and applicable reductions described in this Part II, if you pay the premium for this coverage and coverage under this Part II applies, we will pay the reasonable expenses incurred for necessary medical services received within three years from the date of a motor vehicle accident because of bodily injury;  

1. sustained by an insured person;  and

2. caused by that motor vehicle accident. We, or someone on our behalf, will determine;  

1. whether the expenses for medical services are reasonable;  and

2. whether the medical services are necessary.

EXCLUSIONS—READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART II. Coverage under this Part II will not apply to bodily injury;  

1. sustained by any person while occupying a covered auto while it is being used;  
a. to carry persons or property for compensation or a fee; 
b. for retail or wholesale delivery, including, but not limited to, the pickup, transport or delivery of magazines, newspapers, mail or food;  or
c. for ride-sharing activity. This exclusion does not apply to shared-expense car pools;

2. arising out of an accident involving a vehicle while being maintained or used by a person while employed or engaged in any auto business. This exclusion does not apply to you, a relative, a rated resident, or an agent or employee of you, a relative, or a rated resident, when using a covered auto; 
3. to any person resulting from, or sustained during practice or preparation for;  
a. any pre-arranged or organized racing, stunting, speed or demolition contest or activity;  or
b. any driving activity conducted on a permanent or temporary racetrack or racecourse;  4. due to a nuclear reaction or radiation;  5. for which insurance;  
a. is afforded under a nuclear energy liability insurance contract;  or
b. would be afforded under a nuclear energy liability insurance contract but for its termination upon exhaustion of its limit of liability;  6. for which the United States Government is liable under the Federal Tort Claims Act;  7. sustained by any person while occupying any vehicle or trailer while located for use as a residence or premises;  8. if workers’ compensation benefits are available for the bodily injury;  9. sustained by any person while occupying or when struck by any vehicle owned by you or furnished or available for your regular use, other than a covered auto for which this coverage has been purchased;  10. sustained by any person while occupying or when struck by any vehicle owned by a relative or a rated resident or furnished or available for the regular use of a relative or a rated resident, other than a covered auto for which this coverage has been purchased. This exclusion does not apply to you;  1

1. to you, a relative, or a rated resident, while occupying any vehicle, other than a covered auto, without the permission of the owner of the vehicle or the person in lawful possession of the vehicle;  1

2. to any person while occupying a covered auto while leased or rented to others or given in exchange for any compensation, including while being used in connection with a personal vehicle sharing program. This exclusion does not apply to the operation of a covered auto by you, a relative, or a rated resident;  1
3. caused directly or indirectly by;  
a. war (declared or undeclared) or civil war; 
b. warlike action by any military force of any government, sovereign or other authority using military personnel or agents. This includes any action taken to hinder or defend against an actual or expected attack;  or
c. insurrection, rebellion, revolution, usurped power, or any action taken by a governmental authority to hinder or defend against any of these acts;  14. caused directly or indirectly by;  
a. any accidental or intentional discharge, dispersal or release of radioactive, nuclear, pathogenic or poisonous biological material;  or
b. any intentional discharge, dispersal or release of chemical or hazardous material for any purpose other than its safe and useful purpose;  or 15. caused by, or reasonably expected to result from, a criminal act or omission of an insured person. This exclusion applies regardless of whether the insured person is actually charged with, or convicted of, a crime. For purposes of this exclusion, criminal acts or omissions do not include traffic violations.

EXCLUSIONS—READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART III(A). Coverage under this Part III(A) will not apply;  

1. to bodily injury sustained by any person while using or occupying;  
 a. a covered auto while being used;   (i) to carry persons or property for compensation or a fee;  (ii) for retail or wholesale delivery, including, but not limited to, the pickup, transport or delivery of magazines, newspapers, mail or food;  or (iii) for ride-sharing activity. This exclusion does not apply to shared-expense car pools;  or
 b. a motor vehicle that is owned by or available for the regular use of you, a relative, or a rated resident. This exclusion does not apply to a covered auto that is insured under this Part III(A). This exclusion also does not apply to bodily injury to;   (i) you;  (ii) a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or (iii) a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;  or
 c. any motor vehicle or equipment owned by any governmental unit or agency. This exclusion does not apply to;   (i) you;  (ii) a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or (iii) a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;

2. to bodily injury sustained by you, a relative, or a rated resident while using any vehicle, other than a covered auto, without the permission of the owner of the vehicle or the person in lawful possession of the vehicle; 
3. directly or indirectly to benefit any insurer or self-insurer under any of the following or similar laws;  
 a. workers’ compensation law;  or
 b. disability benefits law;  4. to any punitive or exemplary damages;  5. to bodily injury sustained by any person if that person or the legal representative of that person settles without our written consent;  6. to bodily injury sustained by any person that arises out of the ownership, maintenance, or use by any other person of an uninsured motor vehicle that is;  
 a. owned by or available for the regular use of you, a relative, or a rated resident;  or
 b. owned by a governmental unit or agency. This exclusion does not apply to bodily injury sustained by;  
 a. you; 
 b. a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or
 c. a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;  or 7. to bodily injury arising out of the use of a covered auto while being used in connection with a personal vehicle sharing program. This exclusion does not apply to the operation of a covered auto by you, a relative, or a rated resident.

Insuring Agreement
- COLLISION COVERAGE If you pay the premium for this coverage, we will pay for sudden, direct and accidental loss to a;  

1. covered auto, including an attached trailer;  or

2. non-owned auto;  and its custom parts or equipment, resulting from collision. In addition, we will pay the reasonable cost to replace any child safety seat damaged in an accident to which this coverage applies.

EXCLUSIONS—READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART II. Coverage under this Part II will not apply to bodily injury;  

1. sustained by any person while occupying a covered auto while it is being used;  
a. to carry persons or property for compensation or a fee; 
b. for retail or wholesale delivery, including, but not limited to, the pickup, transport or delivery of magazines, newspapers, mail or food;  or
c. for ride-sharing activity. This exclusion does not apply to shared-expense car pools;

2. arising out of an accident involving a vehicle while being maintained or used by a person while employed or engaged in any auto business. This exclusion does not apply to you, a relative, a rated resident, or an agent or employee of you, a relative, or a rated resident, when using a covered auto; 
3. to any person resulting from, or sustained during practice or preparation for;  
a. any pre-arranged or organized racing, stunting, speed or demolition contest or activity;  or
b. any driving activity conducted on a permanent or temporary racetrack or racecourse;  4. due to a nuclear reaction or radiation;  5. for which insurance;  
a. is afforded under a nuclear energy liability insurance contract;  or
b. would be afforded under a nuclear energy liability insurance contract but for its termination upon exhaustion of its limit of liability;  6. for which the United States Government is liable under the Federal Tort Claims Act;  7. sustained by any person while occupying any vehicle or trailer while located for use as a residence or premises;  8. if workers’ compensation benefits are available for the bodily injury;  9. sustained by any person while occupying or when struck by any vehicle owned by you or furnished or available for your regular use, other than a covered auto for which this coverage has been purchased;  10. sustained by any person while occupying or when struck by any vehicle owned by a relative or a rated resident or furnished or available for the regular use of a relative or a rated resident, other than a covered auto for which this coverage has been purchased. This exclusion does not apply to you;  1

1. to you, a relative, or a rated resident, while occupying any vehicle, other than a covered auto, without the permission of the owner of the vehicle or the person in lawful possession of the vehicle;  1

2. to any person while occupying a covered auto while leased or rented to others or given in exchange for any compensation, including while being used in connection with a personal vehicle sharing program. This exclusion does not apply to the operation of a covered auto by you, a relative, or a rated resident;  1
3. caused directly or indirectly by;  
a. war (declared or undeclared) or civil war; 
b. warlike action by any military force of any government, sovereign or other authority using military personnel or agents. This includes any action taken to hinder or defend against an actual or expected attack;  or
c. insurrection, rebellion, revolution, usurped power, or any action taken by a governmental authority to hinder or defend against any of these acts;  14. caused directly or indirectly by;  
a. any accidental or intentional discharge, dispersal or release of radioactive, nuclear, pathogenic or poisonous biological material;  or
b. any intentional discharge, dispersal or release of chemical or hazardous material for any purpose other than its safe and useful purpose;  or 15. caused by, or reasonably expected to result from, a criminal act or omission of an insured person. This exclusion applies regardless of whether the insured person is actually charged with, or convicted of, a crime. For purposes of this exclusion, criminal acts or omissions do not include traffic violations.

EXCLUSIONS—READ THE FOLLOWING EXCLUSIONS CAREFULLY. IF AN EXCLUSION APPLIES, COVERAGE WILL NOT BE AFFORDED UNDER THIS PART III(A). Coverage under this Part III(A) will not apply;  

1. to bodily injury sustained by any person while using or occupying;  
 a. a covered auto while being used;   (i) to carry persons or property for compensation or a fee;  (ii) for retail or wholesale delivery, including, but not limited to, the pickup, transport or delivery of magazines, newspapers, mail or food;  or (iii) for ride-sharing activity. This exclusion does not apply to shared-expense car pools;  or
 b. a motor vehicle that is owned by or available for the regular use of you, a relative, or a rated resident. This exclusion does not apply to a covered auto that is insured under this Part III(A). This exclusion also does not apply to bodily injury to;   (i) you;  (ii) a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or (iii) a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;  or
 c. any motor vehicle or equipment owned by any governmental unit or agency. This exclusion does not apply to;   (i) you;  (ii) a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or (iii) a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;

2. to bodily injury sustained by you, a relative, or a rated resident while using any vehicle, other than a covered auto, without the permission of the owner of the vehicle or the person in lawful possession of the vehicle; 
3. directly or indirectly to benefit any insurer or self-insurer under any of the following or similar laws;  
 a. workers’ compensation law;  or
 b. disability benefits law;  4. to any punitive or exemplary damages;  5. to bodily injury sustained by any person if that person or the legal representative of that person settles without our written consent;  6. to bodily injury sustained by any person that arises out of the ownership, maintenance, or use by any other person of an uninsured motor vehicle that is;  
 a. owned by or available for the regular use of you, a relative, or a rated resident;  or
 b. owned by a governmental unit or agency. This exclusion does not apply to bodily injury sustained by;  
 a. you; 
 b. a relative who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  or
 c. a rated resident who does not own a motor vehicle subject to the insurance requirements of the Missouri Motor Vehicle Financial Responsibility Law;  with respect to the portion of the damages that is less than or equal to the minimum limits of uninsured motorist coverage required by Missouri law;  or 7. to bodily injury arising out of the use of a covered auto while being used in connection with a personal vehicle sharing program. This exclusion does not apply to the operation of a covered auto by you, a relative, or a rated resident.