If you have Progressive insurance, cancel your policy. A drunk driver hit our brand new car while driving the wrong way on a one way street. Progressive got us a rental & repaired our car in less than a week. We were told that we would get our $500 deductible back once "we gave them a police report" to clearly identify who was at fault. My car is not the same as it was before it was hit & the uninsured motorist part of our CAR INSURANCE only covered bodily injury not my car. When I asked them about this odd coverage they said my husband has to tell them that he wants that coverage.
Last time I checked full coverage was supposed to cover everything in full. Progressive insurance FAIL! This whole experience has cost me time, frustration and $560.