Extra Coverages You Should Add to Your Auto Policy

Upgrade your auto policy.

If you are still relying on minimal auto insurance in Carrollton, Texas, then it’s likely that you do not have all the coverage that you actually need.  This is why it’s time to consider upgrading your policy by adding on some new coverages.  Here are some of the additional coverages you should tack onto your auto policy.

Comprehensive Coverage

While you might have coverage for the damages caused by an accident, what happens if your car is damaged outside of an accident?  This is where comprehensive coverage steps in.  This type of insurance will offer coverage for issues such as rock chips to windows, storm damage, theft, and vandalism.

Medical Payments Insurance

Also known as personal injury protection, this type of insurance will help cover the medical bills of everyone in your vehicle in the event of an auto accident.  This type of insurance will ensure that both driver and passengers receive coverage for their medical treatments regardless of who is at fault.

Uninsured/Underinsured Motorist

About one in eight drivers do not carry auto insurance and an even larger percentage do not have adequate coverage to cover a collision.  If you were to get into an accident with an uninsured or underinsured driver, then you would likely be responsible for your own repairs and medical fees, even if you were not at fault.  Luckily, having uninsured/underinsured motorist insurance would ensure that you are covered in the event that you get into a crash with an unprepared driver.

Rental Reimbursement

If your car is damaged and requires repairs due to a covered claim, then you might require the use of a rental car.  If you do not want to pay for your rental out-of-pocket, then you should add coverage for rental reimbursement to your auto policy.

These are some of the additional coverages that you should add to your car insurance policy.  Interested in getting the right auto insurance in Carrollton, Texas?  To find the right policies to meet your needs, contact the professionals at Mike Leonard Insurance Agency.  Our dedicated team is eager to find you the right coverage from one of our many carriers including: Kemper, MetLife, Travelers, The Hartford, Safeco Insurance, Progressive, and American Strategic Insurance.