Opinion ID: 2443511
Heading Depth: 1
Heading Rank: 2

Heading: Banaszak Purchases Progressive Motorcycle Insurance

Text: In 2005, Mark Banaszak completed an online application to receive information regarding Progressive Direct Motorcycle Insurance. After he completed the online application, Banaszak called Progressive stating that he was interesting in getting a quote and possibly getting some motorcycle insurance. Banaszak spoke with an insurance agent named Mike, who was able to pull up the information from Banaszak's online application. The following exchange took place: Mike: Okay. So you do have your bodily injury, guest passenger liability set at $15,000 per person up to $30,000 per accident. Banaszak: Right Mike: And up to $10,000 of property damage liability. Banaszak: Okay. Mike: There is no uninsured motorist or uninsured motorist property damage selected. Banaszak: Okay. Mike: Last time you did the quote. But you have personal injury protection, which is required in Delaware, $15,000 per person not to exceed $30,000 per accident, which is unrestricted. Banaszak: Right. Mike: Okay. You're just going to go with comprehensive and collision? Banaszak: From what I remember, yeah. Mike: Yeah. No problem. There was no additional mention of uninsured or underinsured coverage, with the exception of Mike's statement that I think if it was 100, 300 for liability [instead of 15, 30] and keeping everything else the same like personal injury protection, uninsured and everything .... the premium difference would only be like 33 bucks for the year. Mike confirmed that the coverage would go into effect as of midnight tonight (July 2, 2005); Banaszak then made a down payment on the insurance by giving Mike his credit card information. Mike informed Banaszak that Progressive would mail him a package containing all of the information regarding his insurance policy in the coming days: review the checklist that we provide to you ... a few items need to be signed or copies of, so make sure when you review all of that, sign it, send back all of the required information just to avoid any increases. That's all.