6 February 2023
 Categories: Insurance, Blog

The most basic types of insurance policies are liability and collision coverage, with liability covering the other driver if you are at fault and collision covering repairs to your car. Unfortunately, this means a lot of things aren't covered, which can be expensive. Fortunately, there are additional coverage options that will provide better protection and are still affordable. 

1. Uninsured Motorist

Collision may cover damages to your vehicle if you are at fault, but it won't cover the damages when the other driver is at fault — even if the other driver is uninsured. An uninsured motorist policy is a must if you live in a region with a high number of uninsured and underinsured drivers. You can set the deductible and the coverage amount so that it fits into your insurance budget.

2. Roadside Service

It's no fun to break down on the side of the road, whether you are down the street or far from home. A roadside service addition to your policy will cover things like dead battery jumpstarts, lockouts, flat tires, and being out of gas. You can also include additional related services, such as towing or rental car reimbursement. Your insurance company works with providers all over the nation so you will be able to access the assistance where ever you travel.

3. Glass Damage

Windshield damage is unfortunately common. It can range from a chip that needs repair to a shattered windshield that requires full replacement. It's sometimes covered under other policies, such as collision or comprehensive coverage, but the deductible may not make it worth the cost. A glass damage policy will usually cover repairs at no cost, and gas replacement at a reduced cost or for a reduced deductible.

4. Gig Service

Gig service jobs include anywhere you use your own vehicle and must provide your own insurance coverage, such as with a rideshare service or food delivery app. Your normal policy may not cover you when you are using your car for business purposes. A gig service policy will keep your coverage active even when you are using your car to earn.

5. Comprehensive 

Comprehensive policies include liability and collision, but they also cover you when there is damage unrelated to an accident. Examples include hail, storm, and flood damage, along with theft and vandalism. Comprehensive may also include things like glass repairs, towing, and roadside service, so make sure you don't have any redundant policies when signing up for comprehensive.

Contact an auto insurance provider to get a quote on coverage today.