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post #1 of 19 Old Jun 30th, 2008, 2:47 pm Thread Starter
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Towing coverage with Progressive?

I am doing some comparison shopping for insurance and called Progressive today. There rates are competitive but they offer towing and roadside assistance which my current does not, Farmers. I asked several questions about the towing because the representative stated that the policy reads Progressive will take the disabled vehicle to the nearest qualified repair facility. I asked several times how it would work if I did require a tow because BMW does not have dealership in many places. I was put on hold and when she returned she stated the towing was for the first 15 miles then there would be a charge for additional mileage.

In a long about way my question is has anyone had experience with Progressive for towing and were you able to get to a BMW shop? I remember reading something not to long ago here about this subject but can not find it with my search.

Thanks for any input.

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post #2 of 19 Old Jun 30th, 2008, 3:07 pm
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Re: Towing coverage with Progressive?

I do not know about Progressive but....
Just the other day after hitting the deer I had my first encounter with State Farm.. Just minutes after the ER had used the scrub brush on all my road rash I got a call from the insurance company to tell me they did not have the BMW 1200LT type bike in the system so I needed to go get the bike and deliver it to somebody who has knowledge of that particular bike. That way they could write a report for State Farm. They informed me State Farm would only cover towing if it was REASONABLE and LOCAL. I struck the deer hundreds of miles from mile home and in a town of about 10. Closest dealer was a couple hours away.
Talk about hitting me when I was down. With out enough money to pay my medical bills, I sure do not have enough to just throw out at the tow company. At this point I still have no idea of the fate of my bike.
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post #3 of 19 Old Jun 30th, 2008, 3:36 pm Thread Starter
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by Launchpad
I do not know about Progressive but....
Just the other day after hitting the deer I had my first encounter with State Farm.. Just minutes after the ER had used the scrub brush on all my road rash I got a call from the insurance company to tell me they did not have the BMW 1200LT type bike in the system so I needed to go get the bike and deliver it to somebody who has knowledge of that particular bike. That way they could write a report for State Farm. They informed me State Farm would only cover towing if it was REASONABLE and LOCAL. I struck the deer hundreds of miles from mile home and in a town of about 10. Closest dealer was a couple hours away.
Talk about hitting me when I was down. With out enough money to pay my medical bills, I sure do not have enough to just throw out at the tow company. At this point I still have no idea of the fate of my bike.
Launchpad
Again very sorry to hear of your mishap.
I am trying to be an informed consumer so that I do not have to deal with oh because this happened on an odd numbered Tuesday....


I hope you have a speedy recovery!

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post #4 of 19 Old Jun 30th, 2008, 5:44 pm
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Re: Towing coverage with Progressive?

That story especially sucks.

I will chime in and say, "stay away from Progressive."
As they may be competitive in the begining, they will screw you when you go to add your next/additional bike.

I have State Farm and did not do their towing.
I do have AAA but don't know what they will do for an MC.

A friend has some kind of towing package and he is regularly getting a tow home 40-50 miles.
No sure if it is AAA or Mo-Tow.

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post #5 of 19 Old Jun 30th, 2008, 8:16 pm
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Re: Towing coverage with Progressive?

Progressive came to my aid last year when a deer decided she wanted my lane. They delivered the Connie (not a BMW) to my house, but it was only about 10mi away. I would assume the mileage you were quoted is about right. In my case, Progressive covered it.

They were out the next day to take pics, submitted the claim on the spot, and wrote me a check right then and there - including money to cover my helmet and jacket. The whole process took about 2hrs.

Progressive has not upped my rates or given me any grief over the accident. I think they're a great company.


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post #6 of 19 Old Jun 30th, 2008, 10:14 pm Thread Starter
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Re: Towing coverage with Progressive?

Mike and Doug thanks for the input I am going to continue to shop around.

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post #7 of 19 Old Jul 1st, 2008, 1:36 am
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Re: Towing coverage with Progressive?

Search the KOA website and look for their RV towing service. They consider your BMW a RV. They will tow to the nearest "capable" repair center. They are aware of the scarcity of BMW dealers and will tow to one if needed. They also cover any vehicle you are driving. Rented or whatever. First year I believe is only $79.00 Then up to $99.00 dwillie.
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post #8 of 19 Old Jul 1st, 2008, 5:46 pm
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Smile Re: Towing coverage with Progressive?

I have had progressive for several years and no real problems,. I have used their roadside assistance twice. The towing is good for about 100 or 150 miles free. This is for a breakdown. The towing comes from a different company, but progressive works with you., it's like the 'cross country that yo got if you bought a BMW new forma dealer.
Anyways, I live in CT and was in OR last summer, my Lt broke, had to have it towed. Progressive contacted a local tower, who arrived witha flatbed, He wassure how to secure it and ended up dropping it partway off the flatbed (ouch). Broke the raditor and Rear brake pedal. A;; parts brkoen during that incident were paid for for the towing insurance company. The tow form Seadie Or to Tiggard OF (BMW of Westeran OR) over 100 miles, was completely covered. If you breakdown over 175/200 miles form home, they will pay for hotel etc.
So I am happy for the tow coverage and feel it is well worth it.
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post #9 of 19 Old Jul 1st, 2008, 6:32 pm
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Re: Towing coverage with Progressive?

I have the KOA and towing (as I understand it) is unlimited to the nearest dealer.


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post #10 of 19 Old Jul 2nd, 2008, 8:35 am
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Re: Towing coverage with Progressive?

In Florida, Progressive used to offer road side assistance free with all motorcycle insurance. Unfortunately they dropped that option about 3 or 4 years ago. Not a big deal however since it was limited to 15 miles, customer had to pay for anything greater. As an insurance provider however I am very pleased with Progressive. Had a crash last Oct with my 1150GS, also damaged another bike in the process. Allstate, my current road side assistance company, towed my GS from the scene back to the camp ground where I was staying. I brought the bike home in my toy box RV and Progressive had the bike towed to the dealer in Daytona from my home about 60 miles. My bike was totaled and the other bike damage was around $2500. In total Progressive wrote checks for nearly $10,000 and because I wasn't ticked for the accident my rate has not increased! I'd say that's pretty good service. I've use my Allstate Road side Assistance, offered through Good Sam Club, a total of 4 times, twice for the bike, and have been very happy with the service. Never a question of how far they'll tow.

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post #11 of 19 Old Jul 2nd, 2008, 9:33 am Thread Starter
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by Lynn_Keen
In Florida, Progressive used to offer road side assistance free with all motorcycle insurance. Unfortunately they dropped that option about 3 or 4 years ago. Not a big deal however since it was limited to 15 miles, customer had to pay for anything greater. As an insurance provider however I am very pleased with Progressive. Had a crash last Oct with my 1150GS, also damaged another bike in the process. Allstate, my current road side assistance company, towed my GS from the scene back to the camp ground where I was staying. I brought the bike home in my toy box RV and Progressive had the bike towed to the dealer in Daytona from my home about 60 miles. My bike was totaled and the other bike damage was around $2500. In total Progressive wrote checks for nearly $10,000 and because I wasn't ticked for the accident my rate has not increased! I'd say that's pretty good service. I've use my Allstate Road side Assistance, offered through Good Sam Club, a total of 4 times, twice for the bike, and have been very happy with the service. Never a question of how far they'll tow.
Lynn thanks for the information. I am still searching for someone to choose for all our insurance. When my bike was new the Motronic(sp) failed and left me with a $300 towing bill. I was able to get BMW to reimburse me since the bike was only a week old, was not easy though. So one of my priorities for insurance coverage is towing.

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post #12 of 19 Old Jul 2nd, 2008, 9:50 am
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Re: Towing coverage with Progressive?

I have Progressive in Il. Last year they towed to storage, since it was Sunday, and then towed to a qualified repair center the next day. They paid for storage and complete towing to the tune of over $1000. I was 90 miles from home. My rate this year went up $12.
I'm OK with them.

Jer

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post #13 of 19 Old Jul 2nd, 2008, 10:35 am Thread Starter
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by jers99lt
I have Progressive in Il. Last year they towed to storage, since it was Sunday, and then towed to a qualified repair center the next day. They paid for storage and complete towing to the tune of over $1000. I was 90 miles from home. My rate this year went up $12.
I'm OK with them.

Jer
Jer if you do not mind me asking what do you pay?
They quoted me $275 per year.
Thanks

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post #14 of 19 Old Jul 2nd, 2008, 10:43 am
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by gglove
Jer if you do not mind me asking what do you pay?
They quoted me $275 per year.
Thanks
It's $158 for just the one bike, nothing else. Very limited coverages and high deductable.

Jer

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post #15 of 19 Old Jul 2nd, 2008, 11:17 am Thread Starter
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by jers99lt
It's $158 for just the one bike, nothing else. Very limited coverages and high deductable.

Jer

Thanks mine is for full extended coverage and a $500 deductable.

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post #16 of 19 Old Jul 4th, 2008, 3:26 am
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Re: Towing coverage with Progressive?

Quote:
Originally Posted by Launchpad
....Just minutes after the ER had used the scrub brush on all my road rash I got a call from the insurance company to tell me they did not have the BMW 1200LT type bike in the system so I needed to go get the bike and deliver it to somebody who has knowledge of that particular bike. That way they could write a report for State Farm. They informed me State Farm would only cover towing if it was REASONABLE and LOCAL. I struck the deer hundreds of miles from mile home and in a town of about 10. Closest dealer was a couple hours away....
1. "mesh kevlar" (www.motoport.com)
2. Dump lousy insurance company asap!
3. Get better fast and completely!

I just renewed with Progressive for a 4th year. Full coverage on my GT @ $375. I have AAA premier for towing. AAA is fast on a service call (except for H-D riders cause they call so often)!

"Those who would give up essential liberty to purchase a little temporary safety, deserve neither liberty nor safety." (Some really OLD friggin' White dude who couldn't have possibly known what he was talking about!) WARNING: Official HATE speech!
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post #17 of 19 Old Jul 4th, 2008, 6:51 am
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Re: Towing coverage with Progressive?

Dont even bother with the insurance company coverage. Get the AAA service plus RV. I think it extends the towing miles to 150 miles. Used it with my car last year and it worked great.

Jim in Dublin, OH

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post #18 of 19 Old Jul 4th, 2008, 9:48 am
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Re: Towing coverage with Progressive?

Progressive has never let me down in any way, shape or form and have proven the cheapest bike insurance for me over the years.
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post #19 of 19 Old Jul 4th, 2008, 7:21 pm
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Re: Towing coverage with Progressive?

I hav 21st (now AIG) insurance. They also offer towing and roadside assistance. Plus, having a BMW still under warrenty, BMW covers towing too. As does my extended warrenty with Western (if I understand things correctly). In any case, you may want to check out 21st century insurance.

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