4 Car Insurance Extras You Should Add to Your Policy
If you’re not sure what certain car-insurance add-ons mean for your coverage, you’re not alone. According to a recent study from Consumer Intelligence, four out of five drivers don’t fully understand what these extra provisions entail. Here are four add-ons you should consider adding to
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Personal Injury Protection
Sometimes referred to as PIP, this type of add-on will help cover medical expenses for the insured driver and their family up to a specified amount. Even if you have health insurance, you might want to include PIP on your policy if you want the peace of mind that comes from knowing this provision will help cover any deductibles that your health insurance doesn’t.
If you’re frequently on the road for business or for family excursions, then adding this extra coverage is a great idea. It will ensure that help arrives as soon as possible so you can get back on the road and finish your journey with minimal delay. This provision will cover the costs of any roadside assistance services and towing fees your vehicle requires.
This extra coverage means that your insurance carrier will pay for you to have a rental car while your primary vehicle is in the shop for extensive repairs. Each carrier has its own unique policies about the type of loaner car they give you and how long they’ll let you use it for, so make sure to ask these questions before adding this provision to your policy.
Full glass coverage
If you’ve ever had to fix a cracked or chipped windshield, you’re probably aware of how expensive this repair can be. Though many comprehensive policies include glass-surface repairs, some don’t. Ask your insurance carrier whether your policy includes full glass coverage or if you can purchase it as an add-on provision.
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