Optional Coverage
The main types of coverage that most people consider are the liability coverages required by each state, as well as general coverage for their own vehicle and person. You can read more about those types of coverage if needed:
In addition to these "regular" and well-known types of auto insurance coverage, there are further types of optional coverage that you can add to your policy as you feel the need. Car Rental ExpenseCar rental expense is handy if your vehicle has been involved in some sort of accident and you are temporarily without it due to repair, etc. Custom Equipment CoverageIf you've had your vehicle "souped up" with custom furnishings or equipment, custom equipment coverage will reimburse you for loss or damage you may sustain. Death, Dismemberment, and Loss of SightYou can name specific people in your policy to be covered for death or certain injuries that they sustain in an auto accident. Emergency Road ServiceIf your car breaks down and you have to be towed, emergency road service coverage is quite nice to have. Now, this is one I do like to have, because I tend to drive what I fondly refer to as "beaters." Those towing bills are absolutely outrageous. It really doesn't cost much to add emergency road service on to your policy. Gap CoverageGap coverage is especially for those whose cars are not quite their own yet. If you have a car loan, gap coverage will pay the difference between the market value of the car (which is what the insurance company will give you if your car is a total loss) and the amount you still owe your loan shark, I mean lender. :) Other types of CoverageA lot of companies offer even more types of optional coverage than those mentioned above. Check with your broker or insurance agent if you are interested in any of these add-ons.
Always remember to read the fine print and verify your coverage. When you receive your policy, look over the declarations page to be certain that you have all the cover you intended. It will be too late if you wait until after you are broke down on the side of the road and then discover that Emergency Road Service was not included after all. Return from Optional Coverage to Auto Insurance Coverage
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There are several types of optional coverage when it comes to auto insurance. You may want to consider these add-ons when considering your policy.
