After you experience an automobile accident, you will likely rely on your insurance to cover most of the financial damages that you suffered. While auto insurance is indispensable for anyone that owns or drives a car, a basic auto insurance policy will not cover all of the expenses that can follow an accident. You will need to purchase additional types of coverage if you are wanting to have comprehensive protection against these damages.
After an accident, you may find that your car will have to be towed to a repair facility so that the damage can be evaluated and repaired. Depending on the location of the accident, you may have to have the car towed a great distance. This can represent a major expense, but you can protect yourself from having to pay the full price of this towing by using an addendum to give your standard policy this type of protection.
Serious auto damage can take days to weeks to repair, but it is a reality that many people will be unable to go without a vehicle for this long. Rental cars can be the only effective option for meeting your transportation needs until the car is repaired. If you have had the foresight to purchase rental coverage, your insurance will provide a rental car until the work to your vehicle has been completed. Depending on the specifics of your policy and the local rental car market, your insurance may only provide a basic economy car, and while this may not be exactly the type of vehicle you were wanting to drive, it can still be an excellent way of providing you with transportation without paying out of your pocket.
An auto insurance policy designed to protect other drivers as it will usually only pay for the damages that are caused by your vehicle. Unfortunately, you can encounter situations where the other driver did not have an active insurance policy, and you may have to pay the full cost of repairing your vehicle out of your own pocket. The only way to avoid this issue will be through having uninsured motorist coverage as this type of policy will pay for damages that you suffer when the other driver lacked insurance.
Ensuring that you have adequate protection against the financial consequences of auto accidents can be essential for safely operating these vehicles. Yet, drivers will often fail to appreciate the various types of coverage that they may want to add to their basic policy. More precisely, investing in addendums for the costs of towing the vehicle, providing a rental car and protecting you against uninsured drivers can address some of the more costly gaps that a standard auto insurance policy may have. Contact a reputable insurance company for all of your needs! Try LA Insurance.