And how are the many others on here with Progressive getting insurance? I read through a couple other insurance threads which show many Deuce owners with Progressive.
Progressive is a crappy company anyway, and has a history of ducking out of claims. I had an experience myself with a motorcycle that was stolen and vandalized. I had a loan on it, it was a 1 year old Honda XR600 that I had bought new. It was stolen, vandalized, and recovered. The engine was junk because after they couldn't get the bike started, they threw sand in the intake and left the bike pushed off the side of the road in the woods. Cops found it, I got it back, and didn't know about the sand. I found out after about 2 minutes of running it. Dealer gave the ins. company an $1800 estimate to completely rebuild the engine. Since the bike had a few very minor scratches (even the dealer said it was in excellent shape for a dirt bike), Progressive would only pay me 1/2 of damages, minus deductable. I got a check for $400 when all was done, and my engine came back in cardboard boxes because there wasn't enough to repair it.
Anyway...I don't hold much stock in insurance, its always the ones who need it the least that get their money. When my friend was hit by a drunk driver, both drivers had insurance. My friend also had health insurance. After getting airlifted and spending several weeks in a Boston hospital, he had WAY over $100k in medical bills. The other guy only had $25k in medical coverage, which my friend had to sue the ins. company to get. Of course his lawyer got 1/3, so he ended up with around $16k. His insurance coverage was for "uninsured motorist" instead of "uninsured or UNDERINSURED" motorist, so his woulnd't cover. His health ins. wouldn't touch it because it was an auto accident. Three years later and he's barely made a dent in the bills, isn't allowed near a doctor unless he has cash in hand, and doesn't have money for the therapy and other long-term treatment he needs. Lets hear it for insurance.
My point...regardless what you *think* you may have, when it comes time to need it, many people find their ins. company bails out on them anyway. So I'm not too worried about the details, as long as my company tells me I have insurance, and I have paperwork to show for it, its enough for me.
Jim