My motorcycle was in a flood. For 21 days it sat in 30 inches of water. They refused to pay for fluid changes, and brake pads. Safety is not one of Progressive's concerns.
I will be changing insurance companys. I do not recommend Harley Davidon/Progressive Insurance. The Harley Dealer states of course the brake pads need to be changed. The adjusted goes to the dealer, and now no pads, or oils need to be changed.
Harley Davidson and Progressive are in bed with each other.