Everyone knows that it's essential to invest in car insurance. But, not all insurance policies are created equal, and coverage can vary greatly. You want to make sure that you meet your minimum state insurance requirements so that you're legally able to drive. It's also a good idea to consider purchasing extra coverage so that you can stay safe and get the help that you need when you need it most. If it's been a long time since you've purchased coverage or took a look at your policy, you'll want to do so soon. Here are some car insurance extras that are worth having.
If you don't have a separate roadside assistance membership, it's a good idea to think about adding this coverage to your car insurance policy. Just a few situations that this can come in handy are when you run out of gas, break down and need to be towed, and when your battery dies and you need a jump. When you have this coverage through your auto insurance, all you need to do is make a call to get help.
Personal Injury Protection
If you're involved in an accident and you suffer injuries, you'll want to be able to get medical help without worry. By purchasing personal injury protection, you can make sure that you and your passengers can get the medical care that they need. This is especially important if you lack health insurance or don't have the best health insurance policy.
Car Rental Coverage
If you get involved in a car accident and your car will be stuck in the shop for several days, you'll want to have a car available for your use. Daily rental car coverage can be costly for you to pay out of pocket when you least expect it. The good news is car insurance companies offer this coverage. It can be added to your policy for a very affordable rate, making it worthwhile.
When you're involved in a serious car accident and still owe on your car, it can make the situation even more stressful. The car insurance company may only offer so much money, and it may not be enough to cover what you owe. When you purchase gap coverage, this can cover the remaining amount that you owe on the loan so that you're not without a car and still making payments.
As you look at your car insurance policy, do consider adding the above extras so that you can have greater peace of mind. Contact an auto insurance company for more information.