DALLAS, TEXAS -- I insured my '98 Suzuki with Progressive. When I traded up to a slightly used '05 Harley. I called and told the lady full coverage. She said I was covered. 7 Days later I'm popped by an uninsured broad... Then I find out there is no PIP. No uninsured motorist protection. I am thankful I survived. As far as Progressive Insurance the paid 12k on the bike and called it totaled then scraped it for 5k. Talk about left in the cold I still owe on that scooter. The was no debate it was final. There case, since I only liability on the Suzuki when I called to change bikes and up grade coverage I couldn't add PIP. Or uninsured motorist. Had to have a whole new policy. Why couldn't some one have told me over the phone when I up graded... What you don't know can hurt you...Bad!