Car insurance is designed to protect us from the worst situations that drain our pockets. Covering repairs, expensive replacements, and injury expenses, the right auto insurance can save us from it all. However, when you take out auto insurance, it’s important that you don’t overlook the additional coverage that could mean the difference between an expensive incident being covered and you suffering financial hardship cause you have to pay for damages out of pocket. Take a look at some of the essential car insurance add-ons to have in your policy.
Comprehensive coverGenerally, comprehensive coverage is essential except for the cheapest of run-down cars. Many people cannot afford to pay thousands to replace their vehicles, regardless of how old they are. If you have an old vehicle that is wearing out, then the cost of repairs in an accident could cost more than the vehicle itself. However, comprehensive is the coverage that provides repairs in case of a windshield shattering or an electrical fire. It also can provide you with some money to replace the vehicle that has been taken from you. For most vehicle owners, comprehensive is a must-have. It protects your vehicle and pocket from non-collision accidents, such as wind damage, storm damage, animal accidents, fire, earthquake, flood, and theft. It also provides glass replacement.
Personal injury protectionPersonal injury protection, sometimes referred to as PIP, is an add-on that is vital for anyone who doesn’t have medical coverage, or needs to cover uncovered expenses such as deductibles, co-pays, and out of network medical fees. PIP protects you and your passengers against personal injury by covering medical expenses, such as medical and surgical treatment, ambulance call-out fees, and medication. In some cases, it covers lost wages and rehabilitation services. PIP is a no-fault coverage, which means that even if you are determined to be at fault in an accident, it would not limit your use.
Uninsured/underinsured motoristEven though you have great auto insurance in hand, others may not. Many motorists continue to drive without insurance at all, or state minimum liability, which leaves you in a bad situation if another driver who has too little or no auto coverage hits you. Uninsured/underinsured motorist coverage protects you against hit and run collisions, if you get into an accident with an uninsured driver, or if you get into an accident with a driver who has too little insurance to cover the cost of repairs and injury costs. It is valuable coverage that provides you with a wealth of protection, such as repairs, medical expenses, loss income, and many other cost resulting from an accident.
Roadside assistanceIf you have ever been stranded on the side of the road because you ran out of gas or your vehicle died on you without warning, then you will know how frustrating it can be. Roadside assistance coverage helps you when you are stuck roadside and need a tow truck to get you to the nearest garage. However, it does more than just that. Most roadside assistance coverages offer flat tire changes, battery jump starts, locksmith services, and emergency gas deliveries. For a small, additional price per month, this is extremely valuable coverage that offers you peace of mind on your next impromptu road trip and long daily commutes.
These are some essential extras that you should consider when taking out your next car insurance policy. Since insurance helps to keep you safe on the roads and your vehicle protected, it is well worth taking out the right coverage for your needs.
These add-ons are important to consider when taking out auto insurance. Talk to your insurer to find the right coverage for your needs. For reliable and affordable auto insurance coverage, contact the professionals at Lou Aggetta Insurance Services.