The people of Crystal Lake know they need auto insurance before driving. However, not all policies are the same. It’s essential to understand what your policy covers before an accident occurs.
Minimum Liability
Minimum liability policies meet state guidelines. These typically include coverage for the other person’s property damage and bodily injury, uninsured/underinsured motorist coverage, and additional property damage coverage.
However, these policies don’t cover everything. For example, they won’t cover rental car expenses, damage to your vehicle, or your medical expenses.
Comprehensive and Collision
Comprehensive and collision policies often include additional coverage, such as rental car reimbursement. However, this depends on the insurance provider. Some companies automatically include rental car coverage, while others offer it as an optional add-on. Speak with an agent at August Vincent Insurance Agency to learn more about what your policy covers.
Add-Ons
Many insurance agencies offer rental car reimbursement as an add-on option. This means you can purchase it as a rider to your existing coverage if it isn’t already included. Typically, you must have comprehensive or collision coverage to qualify for this add-on, though requirements vary by provider.
Other add-on coverage options include roadside assistance, lost-key coverage, and tire damage protection. Ask an agent about all available options to ensure your policy meets your needs.
Having coverage for rental car expenses is crucial before an accident occurs. Being without a vehicle can disrupt your daily life, making it difficult to get to work or take your kids to school. Our agents at August Vincent Insurance Agency are here to help you explore different policy options, including add-on coverage. Contact us today to learn more. We proudly help people in the Crystal Lake, IL area.
