Does your current auto insurance policy lack the coverage to make sure you are protected in a variety of situations? If so, now is a great time to consider adding the following five types of coverage to your policy to ensure you have the proper coverage you need.
#1: Collision Coverage
Even the most careful drivers can find themselves in a position where they are responsible for hitting another vehicle or object. In this situation, you will need to have collision coverage in order to ensure you are protected from the cost of repairing your own vehicle.
#2: Comprehensive Coverage
Comprehensive auto insurance coverage is the type of coverage that protects you from the cost of damage repairs if your vehicle is damaged in a situation other than an accident. For instance, if your vehicle suffers weather-related or crime-related damage, comprehensive coverage will protect you.
#3: Glass Coverage
While some auto insurance providers will include glass coverage with their comprehensive coverage option, you do not need to purchase comprehensive coverage in order to take advantage of auto glass coverage. Furthermore, you will find that some insurance companies do require you to purchase this coverage separately. Consequently, you should never assume that your glass is covered just because you have comprehensive coverage. If you want to make sure your auto glass repairs are fully covered, you will need to add glass coverage to your policy.
#4: Uninsured/Underinsured Motorist Coverage
Being involved in an accident can be nerve-wracking no matter what the scenario. However, this situation can become downright disastrous if you discover that the person who hit your vehicle either does not have any insurance coverage or does not have enough coverage to fully cover the cost of the damage. In this situation, having uninsured/underinsured motorist coverage can prove to be a lifesaver. This type of coverage gives you the option of filing a claim with your own insurance even if the other driver was legally liable for the accident.
#5: Rental Car Coverage
Depending on how long your vehicle is in the shop getting repaired, you could find yourself easily spending as much on a rental car as you do on the repairs themselves. This is especially true if you find yourself in need of a rental car during peak travel season when rates are their highest. Thankfully, you can easily avoid this additional expense by choosing to add rental car coverage to your auto insurance policy.
