When purchasing a car insurance policy, you will be required by law to carry at least personal liability and property damage coverage that is equal to or more than the minimum required by the state you live in. However, this coverage simply represents what you must have in order remain on the road legally. There are several other types of coverage that you may wish to add on to this basic coverage in order to ensure you are protected in a much wider range of scenarios. Continue reading to learn more about some of the most popular types of optional coverage that you may wish to consider.
Unfortunately standard liability insurance does not actually protect your own vehicle when you are involved in an accident. That is because your liability policy is designed to protect the other driver's vehicle if you damage it. Collision insurance fills in an important piece of the auto coverage puzzle by providing coverage for your own personal vehicle in the event it requires repairs after being involved in an accident in which you were legally at fault.
Auto glass repairs, theft, vandalism, and natural disasters are just a few examples of what is covered under comprehensive auto insurance. Generally speaking, if your vehicle has been damaged as the result of a scenario outside of being in an accident, chances are that the repairs to your vehicle will be covered under comprehensive insurance.
Uninsured or Underinsured Motorist Coverage
Unfortunately not all drivers take the legal requirement to carry adequate insurance as seriously as they should. If you end up being in an accident with a driver that has no insurance coverage or who has an inadequate amount of coverage, this type of auto insurance coverage picks up the tab so that you don't have to.
There is simply no way to predict when your vehicle is going to catch a flat tire, require a jump start, or need a tow to the nearest repair shop. Adding roadside assistance coverage to your car insurance policy will ensure that you can get help with any emergency situations involving your vehicle so that you don't find yourself stranded.
Rental Car Coverage
In the event your vehicle is gong to be off the road for repairs, you may find yourself in need of a rental car in order to get around while yours is in the shop. This expense can easily add hundreds or even thousands of dollars to your overall repair costs depending upon how long your vehicle will take to be repaired. Adding this type of coverage to your auto insurance policy will allow you to avoid paying these costs out of your own pocket.