01-11-2023, 03:46 AM
So, after sleeping on this, and regaining my senses of deductive reasoning and cognitive thinking, I had some thoughts. Yes, Progressive is related to USAA, and I'm probably technically covered by Progressive. My first insurance job was as a claims adjuster for Progressive in the early '90s. Progressive provided "Lender collateral protection" insurance for vehicles financed through USAA. What that means is, if you finance a vehicle but don't get your own insurance, USAA will put a comprehensive/collision coverage on the vehicle and add the cost to your monthly payment. This coverage just covers the asset, but does not provide the basic legal requirements. As you can imagine, if someone is too poor, or too lazy to get insurance on their financed vehicle, they aren't going to take very good care of it. The claims work I did on these cars and bikes was... interesting.
I then thought that maybe they put my new bike on a Named Driver Only program - meaning that I would be the only person covered if I rode my bikes. They have the ability to just cover me as the operator of the motorcycles, and if Mrs. G were to ride any one of them, there would be no coverage. This would wash USAA's hands if she were to ride and have an accident. But, I reviewed my updated policy on their website this morning, and, nope, we're both covered to operate any of our covered cars and bikes.
Oh well. I'll go with what Steve, the last guy, told me yesterday. No problem, sir, and not sure why you had trouble with the other guys. Does make me scared to try to add another bike down the road, but I don't plan on selling either the CB1100 or the Triumph, and hopefully I'll keep the Enfield in my long-term fleet. I don't tend to trade bikes that often.
I then thought that maybe they put my new bike on a Named Driver Only program - meaning that I would be the only person covered if I rode my bikes. They have the ability to just cover me as the operator of the motorcycles, and if Mrs. G were to ride any one of them, there would be no coverage. This would wash USAA's hands if she were to ride and have an accident. But, I reviewed my updated policy on their website this morning, and, nope, we're both covered to operate any of our covered cars and bikes.
Oh well. I'll go with what Steve, the last guy, told me yesterday. No problem, sir, and not sure why you had trouble with the other guys. Does make me scared to try to add another bike down the road, but I don't plan on selling either the CB1100 or the Triumph, and hopefully I'll keep the Enfield in my long-term fleet. I don't tend to trade bikes that often.