Each state has its own individual laws regarding what type and how much car insurance coverage a driver must carry to remain in compliance. However, these state minimums can often leave quite a lot to be desired when it comes to actually making sure that you and your vehicle are covered in the event a major accident does occur. This is why it is so important to work closely with a car insurance agent to ensure you are purchasing a policy that is truly customized to meet your particular insurance needs. One of the ways in which an insurance agent will be able to help you meet this goal is through the use of add-on or optional coverage protections. Below you will learn more about a few of these coverage options and how they could potentially benefit you.
Uninsured Motorist Coverage
If you are hit by an uninsured driver or if the driver who hits you chooses to flee the scene, you could find yourself paying for any damage to your vehicle even if this damage was done through no fault of your own. This is because standard liability coverage is not designed to protect your vehicle but rather to protect the other drivers on the road in the event that you cause an accident. With uninsured motorist coverage, you can be sure that damage to your own vehicle will be covered even if you do not have collision coverage in the event that you are the victim of a hit and run or your vehicle is damaged by a driver with either no insurance or inadequate insurance coverage.
Personal Injury Protection
Personal injury protection, or PIP coverage as it is commonly called, is a type of no-fault auto insurance coverage that provides coverage for medical bills and other injury-related expenses regardless of who is found to be at fault for causing the accident that led to these injuries. Not only will PIP coverage protect the driver of the vehicle, but it will also protect any passengers that may be riding in the vehicle at the time. There are a variety of different monetary coverage options available when it comes to purchasing PIP coverage. Be sure to work closely with your car insurance agent to determine exactly how much coverage you may need.
Roadside assistance can truly be a lifesaver if you find yourself stranded and in need of a tow truck, flat tire change, or automotive locksmith. While this type of coverage can typically be purchased independently from your auto insurance policy, choosing to purchase it as an add-on to your policy rather than as a standalone product can often be far more cost-effective. In fact, many car insurance agents are able to secure this type of add-on for your policy for less than the cost of going out to eat a single time each month.
For more information, contact an auto insurance provider in your area today.