One of the biggest mistakes that many people make when buying auto insurance is to simply settle for the basic level of coverage that their state or auto loan company requires, but this can leave you with a lot of potentially uncovered damages to your car. Listed below are two types of optional auto insurance coverage to consider when buying a new policy.
Uninsured Motorist Protection
One of the most important types of optional auto insurance coverage that you should add to your policy is uninsured motorist protection. This type of coverage is intended to cover you if the person who strikes your vehicle during an accident is driving without any auto insurance or simply does not have sufficient insurance coverage to cover the amount of damage done to your vehicle or to pay for the injuries sustained by you and your passengers. This is an absolutely essential type of coverage when you consider just how many people out there are choosing to skimp on their auto insurance to save a little bit of money or are lending their vehicles to uninsured drivers.
Without this type of coverage in your policy, you could easily end up in a situation where you will have to pay for the repairs to your vehicle and your own medical bills if you are struck by an uninsured or underinsured driver, even if you were not at fault for the accident. However, once you have uninsured motorist protection on your policy, your auto insurance company would step in and cover any damages caused by an uninsured driver.
Another type of optional coverage to add to your auto insurance policy is comprehensive coverage. Basic auto insurance will usually only cover damages that were caused to your vehicle as a result of a collision. However, comprehensive protection or coverage will cover you in a variety of situations, from running into a deer or other large animal to having your vehicle stolen.
In addition, comprehensive coverage will also cover damages to your vehicle that are caused by natural disasters, such as flooding or other weather damage. This type of coverage will also cover issues such as damage sustained during a riot or if the vehicle catches on fire.
Contact your auto insurance provider today to discuss what option coverage types they would recommend. Both uninsured motorist and comprehensive coverage are great ways to expand the protection provided by your insurance policy. Contact a company like Central Florida Insurance Agency of Town 'N' Country to learn more.
After I moved out of my parent's home, I started learning more and more about insurance policies. I was involved in a bad car accident, and I ended up working with my car insurance company as well as my medical and dental insurance companies. I paid my premiums and enjoyed coverage, but I didn't really understand how the entire insurance claim process worked. I wanted to make this blog to help other people like me to learn more about insurance coverage. Check out this blog for more details on insurance coverage, how to file a claim, and what you should expect throughout the shopping process.