4 Car Insurance Add-Ons That Are Worth The Cost

When it comes to car insurance, you have your basic liability coverage, and then you have everything else that you can add to your policy. When it comes to add-ons, it is essential to know which ones are worth it and which ones you should skip over.

Uninsured Motorist Coverage

The truth is that you don't know what type of insurance the people around you are carrying. If you get into an accident with another driver, you want to make sure that you are covered, regardless of if they have insurance or not. With uninsured motorist coverage, if you are involved in an accident with a hit and run driver or a driver who doesn't have insurance, you will still be protected. It is a smart way to ensure that when you get into an accident, you are covered.

Personal Injury Protection (PIP)

The following add-on that you should have is personal injury protection (PIP). A PIP plan is critical if you don't have medical insurance or if you don't have outstanding medical insurance. With a PIP plan, regardless of the cause of the accident, you and all of your passengers will have their medical expenses covered.

The medical expenses covered with a PIP plan are vast, such as ambulance fees, medication, rehabilitation, and even lost wages.

Roadside Assistance

The third add-on you should have on your policy is roadside assistance. You never know when something will happen with your vehicle, which is why you should carry roadside assistance. Roadside assistance is usually low-cost, and you would pay more if you had to call a locksmith to help you with a lock-out or call a tow truck when your car breaks down.

Roadside assistance will cover things such as battery jump starts, flat tire changes, emergency gas delivery, and locksmith services, in addition to towing for all sorts of roadside emergencies.

Gap Coverage

If you have a new vehicle that you are still carrying a loan balance on, you will want to carry gap coverage. With this type of coverage, if you get into an accident, your loan will be paid off in full, regardless of the vehicle's current value. Without this coverage, you could have a totaled vehicle that you still have a small loan balance to pay off. This is a coverage you can drop once you have paid off the loan on your vehicle.

It is important to consider what add-ons you want with your policy when it comes to your auto insurance. These add-ons can provide you with a lot of value and protection on the road.