Drivers Ed and Track Insurance Progressive Exchange

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The following is a copy of an email exchange that I had with Progressive Insurance. It good news for those of us looking for someone who will provide coverage at a Drivers Education course, regardless of the venue. I will post more when I get the list of exclusions and the actual policy.

Dear Mr. Jenney,
Thank you for contacting Progressive Direct. I am happy to answer your additional question.
As long as you are not in a race this course would be acceptable.
We appreciate the time you took to explore our Web site and quote a new policy with Progressive Direct. If you have any additional questions or concerns, please feel free to reply to this e-mail or contact us at 1-800-PROGRESSIVE (1-800-776-4737). Our licensed Sales Representatives are available 24 hours a day, 7 days a week to assist you.
Sincerely,
LaShunda Washington
Progressive Direct Internet Service Specialist
--- Original Message ---
From: Eric Jenney <ejenney@charter.net>
Received: 02/23/2007 10:19pm Eastern Standard Time (GMT - 5:00 )
To: John Taylor <quoting@progressivedirect.com>
Subject: Re: Your Progressive Quote
John,
Does it matter where the Driver's Education course is to be held? The

one that I am thinking of attending is to be held at Brainerd International Raceway. I've heard of other policies that specifically exclude ANY activities that take place off public roads on dedicated tracks.

Thanks,
Eric
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John Taylor wrote:
Dear Mr. Jenney,
Thank you for your reply. We appreciate your interest in our company.
I have submitted a request to our Typing Department to issue a policy contract to you via US Mail. Please allow 5 to 7 days for delivery. Coverage would be provided for you while you are using your car to complete the driver's education course; however, please note that we currently do not offer a driver's education course discount in your state.
We appreciate the time you took to explore our Web site and quote a new policy with Progressive Direct. If you have any additional questions or concerns, please feel free to reply to this e-mail or contact us at 1-800-PROGRESSIVE (1-800-776-4737). Our licensed Sales Representatives are available 24 hours a day, 7 days a week to assist you.
Sincerely,
John Taylor
Progressive Direct Internet Service Specialist
--- Original Message ---
From: Eric Jenney <ejenney@charter.net>
Received: 02/23/2007 01:24pm Eastern Standard Time (GMT - 5:00 )
To: Sara Jamjoom <quoting@progressivedirect.com>
Subject: Re: Your Progressive Quote
Sara,
If you could send a copy of the policy and exclusions to
Eric Jenney
xxxx xxxxxxxxxx xx xx
xxxxxxxxxxx,xx xxxxx
That would be great.
The Driver's Education to which I am referring is one of several

sponsored by car clubs, in which instruction on car control and driving is given in a classroom, and then students are sent out on a closed course (not public roads) to practice. I would be using my own car, and no one else would be driving it. In some of the sessions, an instructor may accompany me in the car, but there will not be any other students in my car.

Hope that helps, Thank you!
Eric Jenney
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Sara Jamjoom wrote:
Dear Mr. Jenney,
Thank you for your interest in Progressive Direct.
You have requested a list of exclusions, I am able to fax or mail you a sample policy contract for you to review. The contact does list some exclusions. If you would like this done, please reply with a fax number or mailing address.
You mentioned Drivers Education Sessions. Could you please reply with some additional information regarding how your vehicle may be used in relation to these courses. If you are taking a driving course and using your own car, you would still be covered. If you are a defensive driving instructor and using your vehicle for others it would not be covered.
We appreciate the time you took to explore our Web site and quote a new policy with Progressive Direct. If you have any additional questions or concerns, please feel free to reply to this e-mail or contact us at 1-800-PROGRESSIVE (1-800-776-4737). Our licensed Sales Representatives are available 24 hours a day, 7 days a week to assist you.
Sincerely,
Sara Jamjoom
Progressive Direct Internet Service Specialist
--- Original Message ---
From: <ejenney@charter.net>
Received: 02/23/2007 12:09pm Eastern Standard Time (GMT - 5:00 )
To: <quoting@progressivedirect.com>
Subject: Your Progressive Quote
---------------------------------------
MESSAGE CONTENT
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Message: Can I see the actual policy, or a list of exclusions?
Specifically, I am wondering if the policy covers Driver's Education
sessions such as those provided by BMW and/or PCA clubs.
Marketing Agr: NO
Personal CC: NO
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SESSION INFORMATION
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Unfortunately, I just got the following update:


Dear Mr. Jenney,
I came across your e-mails this morning and wanted to take this opportunity to apologize to you for some misinformation which was previously sent to you. We informed you that the course you are looking at taking at Brainerd International Raceway would be covered; however, this is not the case. We do not offer coverage while you are driving your vehicle on any type of race track. I am sorry that you were not given this information.
We mailed a policy contract to your address as you requested. In the policy contract, you will find sections called "Exclusions" in each part of the auto policy including Liability and Physical Damage. These sections will specifically spell out any areas or situations which we exclude coverage. In these sections, it states Coverage will not apply for loss to any vehicle resulting from, or sustained during practice or preparation for:
a. any pre-arranged or organized racing, stunting, speed, or demolition contest or activity; or
b. any driving activity conducted on a permanent or temporary racetrack or racecourse.
Progressive Direct encourages everyone to take advantage of any opportunity that allows you to improve your driving skills, and we are concerned with the safety of all drivers on the roads. Safer drivers allow us to introduce lower insurance rates to consumers. That is why we offer a defensive driver discount in many states. I understand this is not currently available in Minnesota; however, we continually look for opportunities to reward our customers who maintain good driving records. Please check with us to see if this discount is available in the future.
If you have any additional questions or concerns, please feel free to reply to this e-mail or contact us at 1-800-PROGRESSIVE (1-800-776-4737). Our licensed Customer Service Representatives are available 24 hours a day, 7 days a week to assist you.
I look forward to assisting you in the future.
Sincerely,
Erik Duchon
Progressive Direct Internet Service Specialist