May 24 Additional Coverages You Should Add to Your Auto Policy

Additional Coverages You Should Add to Your Auto Policy

These are some of the upgrades you should make to your auto policy.

If you are still relying on minimum car insurance, then you likely do not have enough coverage to address your various risks. That’s why you should consider upgrading your auto policy by adding on extra coverages. Here are some of the additional coverages you should consider.

Comprehensive Coverage

While you might have protection for the damages your car sustains after an accident, what happens if your car is damaged outside of a collision? If you do not have the right insurance coverage, you would be responsible for paying for these repairs. However, if you have comprehensive insurance, this type of coverage will help you address the damages caused by theft, vandalism, extreme weather events, and so on.

Medical Payments Coverage

Minimum car insurance normally includes liability coverage. When you get into an accident, your liability insurance will cover the medical costs of the other driver, but not your own. By adding medical payments coverage to your auto policy, you can ensure that you have coverage for the medical treatment that you and your passengers might require following a collision. This coverage is especially helpful because you can access it no matter which driver is at fault.

Uninsured/Underinsured Motorist

Unfortunately, a large percentage of drivers are uninsured or do not meet the minimum insurance requirements of their state. If you were to get into an accident with one of these drivers, you would likely have to cover your own repairs and medical costs, even if the other driver was at fault. The best way to ensure that you have coverage in this scenario is by adding uninsured/underinsured motorist insurance to your policy.

These are some of the additional coverages that you should consider adding to your auto policy.  Want to upgrade your auto insurance?  Then don’t hesitate to contact us at Weeks & Associates Insurance Services in Thousand Oaks, California.  Our dedicated team is ready to assist you with all your insurance needs.

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