The state you live in mandates the types and amounts of auto insurance you must carry, but there are always optional types you can purchase. The optional coverage types provide extra protection. While you might not need to use these optional coverage types, they are essential to have if you ever need them. Here are some optional coverages you might want to have.
Glass Coverage
Cars have a lot of glass, as glass is the material used for all the windows. Have you ever had a rock hit your windshield, leaving you with a chipped or cracked window? If so, you could get the window fixed for free (or cheap) if you had glass protection on your auto insurance policy. Glass protection pays to repair broken vehicle glass. You might have to pay a small fee for the repairs, or the services might be free. It depends on your policy.
Gap Coverage
People who owe money on their vehicles might benefit from gap coverage. Gap coverage only applies if you total your car while you owe money on it. When you total a car and owe more money than the vehicle is worth, gap coverage protects you. It covers the difference between your car loan balance and the value of your car. If you never total your car, you would not need this coverage. The problem is that you never know when an accident might happen.
Rental Car Reimbursement Coverage
Rental car reimbursement coverage is not something that pays for you to rent a car while you are on vacation. Instead, it covers the cost of renting a car if you are in an accident and do not have a vehicle. Suppose you wrecked your car and are waiting for the body shop to repair it. If you need a car during this time, you can get a free rental car through this coverage type.
Roadside Assistance Coverage
The other optional coverage you should always have is roadside assistance. Imagine if you encounter a problem with your car and need help. Who would you call, and how would you pay for it? Roadside assistance helps you if you lock your keys in the car, run out of gas, or experience mechanical problems with your vehicle.
While you might not be required to have these coverages, you should consider adding them. They offer extra protection for specific events, and you will be glad you had them if you need them. To learn more about auto insurance options, talk to an agent today.
