4 Most Valuable Auto-Insurance Coverage Add-Ons Today

Are you wondering how to get more from your auto insurance coverage? There are add-ons for extra protection on top of standard insurance coverages. These add-ons are useful in easing  your circumstances after an accident or vehicle mishap. A rental reimbursement add-on, for example, reimburses you for renting a car while yours is being repaired or while your insurer is processing a check for a new one. However, add-ons are not always equal in value. So, what add-ons offer you the best value?

1. Roadside Assistance

Roadside assistance is a valuable add-on that can help you in tight situations. For example, if a mishap happens to your car in a remote area, roadside assistance can send someone to help you get it going again. If it is a flat tire, they will send someone to fix it. They even offer towing services if the car is too damaged to be driven.

If you are blocked in by heavy snowfall, they can send someone out to help you remove snow from your vehicle so that you can drive safely. And they will even help you find a hotel room if your vehicle breaks down at night and you need a place to stay. That way, your vehicle can be repaired in the morning when repair shops open.

2. Accident Forgiveness Add-on

With this add-on, your insurance provider will not raise your premiums for several years if you suffer an accident. It gives you the opportunity to get your finances in order and save money to pay for the higher insurance premiums you'll have to pay when this time ends.

3. Personal Injury Protection

PIP covers medical expenses for the people in the vehicle. It also covers ‌remuneration losses caused by temporary disability preventing you from working. It is very useful if you don't have adequate medical insurance.

4. Gap Insurance Add-on

If your car is totaled in an accident, this add-on pays the difference between your insurance company's compensation and the balance on a vehicle loan. For example, if the loan balance is $15,000 and your insurance company pays $10,000 in compensation, you'll still need to top-up the $5,000 out of your pocket. This add-on would be able to cover that $5,000.

It is a valuable investment because it can save you from paying thousands of dollars out of pocket expenses. This insurance add-on can help you avoid going into debt.

Are you worried about inadequate auto insurance coverage? If so, talk to an insurance agent about valuable add-ons to your auto insurance coverage for added protection and services. Reach out to an auto insurance coverage program near you to learn more.