When I bought the Ace, I also bought an insurance policy through Progressive. I was primarily concerned about theft and fire. The majority of the cost of the policy was for collision. This is the first ATV insurance policy that I have ever bought. I am curious if anyone has any experience with collision coverage through Progressive. Luge recently rolled his Ace when an axle broke and spun him a 180. He has not yet gotten an estimate but posted that his Ace may be totaled. Is there anyone that has had a similar experience on any ATV and knows if Progressive collision would cover this type of accident?