You’ve come to WeSpeakInsurance.com looking for the best option for you and your family when it comes to car insurance. Well, that’ what we’re here for. You’ve come here looking for a quote because you know how indispensable car insurance is, and now what you want is a dependable insurance company and a car insurance policy that perfectly fits your needs.
You already know the most important types of coverage available: bodily injury liability, property damage liability, medical payment and PIP, comprehensive coverage, collision coverage, etc. Now is time to consider other factors that come into play when an accident happens, and to find out if there are other coverage options to add to the policy. Perhaps these options will help you a great deal during moments of distress.
What do I do while my car is being repaired?
Have you ever wonder how you’ll get around if your car ends up at the shop after a crash or any other vehicle-related incident? Perhaps you haven’t, and right this moment you don’t have a concrete answer; or you might be thinking: “I’ll use my significant other’s car” or “I’ll take the subway or the bus”. But unfortunately, these choices are not always available for everyone. That’s why many cautious drivers add the rental reimbursement coverage to their car insurance policy.
This coverage is pretty simple to explain. It means your insurance company will pay for a rental vehicle (usually up to the daily limit established on your policy or the legal limit allowed by law) during all the time or a fraction of the time your car is out of commission due to a loss covered by your insurance policy. For the most part, this means that you’ll get reimbursement for a rental car if the accident occurred is covered for the collision or comprehensive coverage in your policy.
Many people are shocked to discover, right after an accident has happened, that they won’t be automatically covered for rental reimbursement. These people usually believe this is a coverage that’s already included on every policy. The truth is this is an additional coverage, but the good news is that it’s a pretty inexpensive one (it only costs around $1 or $2 dollars more a month) that brings a priceless peace of mind. .
If you’re involved in an accident you’re not liable for, chances are the other part’s insurance will take care of the repair or replacement of your car, but as you have heard, the process can be a lengthy one. What would you do without a car for a minimum of two to three weeks? If you add this coverage to your policy, you might be able to figure something out to ease the inconvenience to your advantage.
Just like this additional coverage option is available through most car insurance companies, there are also other additional coverage options you should consider before submitting any information for a quote. Roadside assistance, and coverage for CDs or electronic sound systems are some of the options available for all drivers.