i have progressive on my bike. paying for full coverage and all the frills (comprehensive, collision, UM, UIM, etc) and when i got in a wreck, alluvasudden, my collision insurance was gone. when i asked why i'm paying so much, they were like, "i don't know, maybe that's something you and your agent need to talk about." so screw them, i'm going to look on bike-line now.