Frequently Asked Questions

Personal Insurance: Auto Insurance


Auto Policy: Coverage options to consider adding

“After an auto accident, what optional coverages – other than comprehensive and collision – do most people wish they had purchased?”

This question was posed in an insurance company meeting that included claims adjusters and agents. The consensus among us is that people most regretted not having these two optional coverages after an accident:

  1. Rental Car Reimbursement (Loss of Use) – When an accident is your fault or liability is disputed, this optional coverage helps you pay for the cost of renting a car while yours is being repaired. Even if you have other cars in the household, people find that they really depend on their vehicle and need a substitute.
  2. Original Parts Replacement (OEM Parts) – After a physical damage loss to your car, this coverage allows repair with higher cost Original Equipment Manufacturer (OEM) parts when available rather than used or aftermarket auto parts.

Did you know we offer these other highly advertised options that can be added to your Personal Auto Policy?

All these optional coverages are now available to be added to most Personal Auto Policies for a small additional premium. Just contact your Customer Service Agent for a quote and coverage review to decide what options are best for you.  

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FAQ Disclaimer

The content of FAQ articles are general in nature and are not intended as a substitute for professional legal, financial, or insurance counsel for individuals. Insurance coverage forms vary by issuing company and by state. For specific advice contact us.

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