What Are Some Car Insurance Add-Ons That May Help My Claim?

What Are Some Car Insurance Add-Ons That May Help My Claim?

Abasi Major
June 9, 2024

Car insurance policies typically offer a range of add-ons that can provide additional coverage and benefits beyond the standard policy. These add-ons can be particularly valuable in the event of an accident claim, helping to ensure that your claims process is smoother and that you receive adequate compensation for your losses. Consulting with a car crash attorney can also provide valuable guidance throughout the claims process. Here are some car insurance add-ons that may help your claim.

Personal Injury Protection (PIP)

Personal Injury Protection (PIP) covers medical expenses and, in some cases, lost earnings and other related costs if you or your passengers are injured in an accident, regardless of who is at fault. PIP can be especially beneficial if you have high medical expenses or need to cover lost income while recovering from injuries.

Crash Coverage

Crash coverage pays for repairs to your car if it is damaged in an accident with another car or object, regardless of who is at fault. This add-on ensures you can get your vehicle repaired or replaced without bearing the total cost out of pocket.

Complete Coverage

Complete coverage protects against damages to your vehicle that are not caused by a collision. This includes theft, vandalism, fire, natural disasters, and hitting an animal. Comprehensive coverage can help you claim compensation for a wide range of incidents that might otherwise leave you with significant out-of-pocket expenses.

Uninsured/Underinsured Motorist Coverage

Uninsured/Underinsured Motorist (UM/UIM) coverage occurs when you are involved in an accident with a driver without insurance or insufficient coverage to pay for your damages. This add-on ensures that you are not left covering the costs of an accident caused by someone else's lack of insurance.

Gap Insurance

Gap insurance is beneficial if you have a car loan or lease. If your vehicle is destroyed in an accident, standard insurance typically pays only the car's current market value, which may be less than what you owe on the loan or lease. Gap insurance covers the difference, ensuring you are not left with outstanding debt on a vehicle you can no longer use.

Rental Reimbursement Coverage and Roadside Assistance

Rental reimbursement coverage pays for a rental car while your car is being repaired after an accident. This can be incredibly helpful in maintaining your daily routine and avoiding the inconvenience of being without a car.

Roadside assistance provides towing, battery jump-starts, flat tire changes, and lockout assistance. This add-on ensures that you have help available in case of a breakdown or minor accident, making it easier to manage unexpected situations on the road.

Medical Payments Coverage (MedPay)

Medical Payments Coverage (MedPay) covers medical costs for you and your passengers, regardless of who is at fault in an accident. It can help pay for hospital visits, surgery, X-rays, and other medical costs. MedPay can be a valuable addition, especially if your health insurance has high deductibles or limited coverage for accident-related injuries.

New Car Replacement Coverage

New Car Replacement Coverage is designed for new vehicles. If your new car is totaled in an accident, this add-on pays to replace it with a new car of the same make and model rather than just paying the depreciated value. This can be particularly beneficial if you want to avoid the financial hit of replacing a new car that has rapidly depreciated.

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