How long do tickets stay on my
All minor traffic convictions and accidents remain on your driving
record for three years. All major violations remain on your driving
record for seven years. Points for traffic convictions and chargeable
accidents are added and removed at the renewal of your policy. There is
no change to the policy during your policy period to add or delete
What should I do if I
have an accident?
First, make sure you,
your passengers and others are not injured. If there are injuries call
911 immediately. Second, in most states the police should be notified.
Third, you should give your information to the other driver(s). Provide
your name, address, and telephone number. Also let them know your auto
insurance coverage is through Progress Insurance. Then get this same
information from the other driver(s). Finally, contact your insurance
carrier at your first opportunity. Contact information may be found on
your insurance identification card. If you have any questions or need
help, please feel free to contact us.
Why should I buy from a broker?
As a broker of insurance, Progress Insurance represents you-the
customer. We shop from our panel of 30 different insurance companies to
locate the best combination of price and coverage for you! Then we
continue to stand by you, periodically shopping during renewal cycles to
make sure that your insurance coverage keeps pace with your changing
How does Progress Insurance have
great rates for all types of drivers?
When you contact us for an insurance quote, we shop our panel of 30
different insurance companies to find the most appropriate coverage at a
great price. Some of our insurance carriers specialize in good drivers,
while others write mostly high-risk drivers. No matter what your
situation, Progress Insurance can place you with an auto insurance
company thatís right for you at a very competitive price.
What is Uninsured Motorist
Even though liability coverage is advisable and often required, there
are many people who do not buy insurance. If an uninsured motorist
causes an accident you may not be able to recover any damages that you
sustain. If you purchase Uninsured Motorist Coverage, your auto
insurance company will pay you for the property damage and bodily injury
caused by an uninsured motorist. It will cover you, any family member,
and anyone occupying a covered automobile. The limits for this coverage
are usually the same limits that you selected for liability, although
you can choose lower limits. There are also times when a person who
causes an accident has liability insurance but your damages exceed the
limits of that person's coverage. In some states Underinsured Motorist
Coverage is included in your Uninsured Motorist Coverage. In other
states, you can purchase underinsured motorist insurance, which covers
your excess losses up to the limit set forth in the policy.
How much Liability Coverage do I
Most state laws require that you carry a minimum amount of liability
insurance, which pays for the injuries or damages you cause to someone
else. While some people need only the minimum level of protection,
others have assets that they need to protect. If you are unsure about
how much liability insurance you need, consult an Progress Insurance
insurance professional. We can tailor a program to provide the right
amount of protection for you and your family.