Optional Insurance Coverage You Should Discuss With Your Auto Insurance Agent
The law requires you to carry a minimal amount of liability auto insurance to protect the other drivers on the road from suffering a financial loss if you were to cause an accident. While this is the only type of coverage that you must carry, it certainly is not the only type of car insurance that is available to you. Below you will learn more about some of the most valuable additional coverage options that you will want to discuss with your auto insurance agent next time you get a quote for car insurance.
Roadside Assistance
Even the most reliable of vehicles have the ability to leave you stranded if you catch a flat tire or run out of gas. Adding roadside assistance coverage to your auto insurance policy will ensure that you can always get the help you need if you break down regardless of where you are or what time it is when your vehicle stops working. Adding this type of coverage to your car insurance coverage will often allow you to enjoy the benefits of roadside assistance at a much lower rate than purchasing this type of service on its own.
Rental Car Coverage
Whether your vehicle is damaged in an accident or simply needs to go into the shop for mechanical repairs, you will likely need to rent a vehicle in order to get around until you get your car back. This can be extremely expensive if you rent a vehicle directly through a local car rental business since private renters typically pay a much higher rate per day than insurance companies are charged. By adding rental car coverage to your existing auto insurance policy you will be able to save a ton of cash next time you need to rent a car.
Uninsured/Underinsured Motorist Coverage
While the law states that all drivers are supposed to carry liability insurance, some drivers choose to break the law and drive either without any insurance or without adequate insurance. If one of these irresponsible drivers were to hit your vehicle, you would be stuck paying for repairs to your vehicle out of your own pocket. This is not the case if you choose to add uninsured/underinsured motorist coverage.
Personal Injury Protection Coverage
Just as uninsured motorist coverage protects you from paying for damages to your vehicle in the event you are hit by a driver without insurance coverage, persona injury protection coverage protects you from paying for any medical costs in the event the other driver does not have insurance or their insurance is not enough to cover the costs of your medical bills. This type of auto insurance coverage can also compensate you for things such as pain and suffering if you are injured in an accident.
