Auto Insurance To Consider Beyond Collision Coverage
When you think about auto insurance, you are probably thinking about being covered in the event that you are in a fender bender or more serious accident that results in property damage to your car or someone else's. But auto insurance coverage today covers much more than just collisions. Here are some of the other things you should be looking into if you want to ensure you have the best auto insurance package possible.
Comprehensive Coverage
This type of coverage will cover weather events, damage from theft, or any damage that takes place when you are not driving your vehicle. For example, if your car is parked out on the street and someone drives into it while you are sleeping, your collision coverage won't cover this because you weren't behind the wheel. Comprehensive coverage will ensure you can still be made whole even in this type of situation.
Uninsured and Underinsured Motorist Coverage
Normally if the accident is the other party's fault, you will be in good shape to get your car fixed. But what if the other motorist does not have enough coverage or has no coverage at all? In this situation, having underinsured or uninsured motorist coverage on your own policy will ensure you still get reimbursed for the damages even if there is no other insurance company besides your own to help you out.
Medical and Lost Wages Protection
If you are in a bad accident and put into the hospital or face ongoing medical expenses as a result of your injuries, you may be left in a financial mess. Personal injury or medical and lost wages protection will pay out if you need help with your medical bills or if you can't go to work for some time because of your injuries.
Rental Car Coverage
When your vehicle is in the repair shop because of an accident, you may still need a vehicle to get around town or to and from work. You can opt for rental car coverage in your auto insurance package to ensure that you don't have to personally pay for this expense until you get your own vehicle back.
Roadside Assistance
There are a variety of places to enroll in a roadside assistance program but it's worth considering paying for such a service through your current auto insurance provider. You won't have to renew your membership every year like you might with some club-based programs and having assistance anytime you need it should provide additional peace of mind.
Contact a company like Full Service Insurance Agency of Wisconsin LLC to learn more.