If you’ve ever made an auto insurance claim, then you already know what can be a pain and what services or coverages you may never use in your entire life. If you are shopping for quotes or just reviewing your policy with your current insurance company, make sure you look to see if you have any of the following coverages. While they might not seem like much more than bells and whistles, if you have any of the following, you could save yourself some serious cash in the long run.
Glass replacement can seem like a small perk until you have to replace your first windshield. A crack in your windshield can start to spread and eventually go across your windshield before you know it. According to the Los Angeles Times, there are 253 million cars and trucks on U.S. roadways, with an average age of 11.4 years; it’s only a matter of time before debris from one of them flies off and hits your windshield.
Accidents happen, and that’s why rental reimbursement coverage is one of the best things you can have. Rental reimbursement coverage is the same concept as having auto insurance in the first place: to protect you after an unfortunate event. If you were involved in an auto accident and suddenly didn’t have a car for a few weeks or month, how would you carry out your day-to-day functions. If you’re still skeptical, work out the numbers with free car insurance quotes and how much it’d cost to rent a car on your own.
When you consider people who get stuck on the road, then you are thinking about all of those individuals who are stranded and just don’t know what to do. Who do you call, where do you go, and what is the best option? This is all assuming you even have time to think and aren’t on your way to work or that you won’t be late for an important event. As The Telegraph states, roughly one in three cars will break down over the course of a year. Obviously this can vary and it is only an estimate, but wouldn’t you like to be covered and have a plan in case your car is one of those three?
Accident Forgiveness/Waived Deductible
Accident forgiveness is one of those coverages that no one claims they need until they actually get into an accident. Not only can your rates increase if you wind up getting into a collision, but if you have to pay a major deductible of $500, $1,000, or even more than that, then having this coverage on hand can be a life saver. It’s important to protect your wallet, and instead of paying your bill, you could be in a great position with a coverage that gives you at least one do-over.
While this can sometimes be bundled in as a service with roadside assistance coverage, there are many reasons why you might want to have this one or at least be sure it is included in with a roadside assistance rider or endorsement. Towing means that even if your car won’t start or can’t move, someone will hook you up and take you to a repair station. If you are in an area that gets significant snowfall, or if you happen to be in an area where you travel several miles between locations, then towing coverage can most definitely be something that you need to have and will pay for itself in convenience the first time you ever need to use it.
Your car insurance needs to be all about you. After all, the whole point of insurance is that you pay money to protect against potential problems. Whatever you think is more likely to occur is something that you should be insuring against. That’s why you need to consider what the worst-case scenarios could be as well as the most likely scenarios, and then verify what you’re going to be able to do when it comes to making sure you won’t be stuck when you need help the most.