Getting the Most Out of Your Auto Insurance

Unusual Coverage Options for Car Insurance

9 October 2023

Eleanor Allen

Car insurance is mandatory, and it is important to have the right coverage to protect yourself and your car. While most people opt for the standard coverage options, it is good to know that there are some unusual coverage options that can provide you with additional protection. Here are some of the unusual coverage options for car insurance and how they can benefit you.

Pet Coverage

Driving with a pet in the car can be risky. If you are involved in an accident, your pet may get injured, which could lead to expensive vet bills. To avoid this, you can consider adding pet coverage to your car insurance policy. This coverage can assist in covering veterinary expenses if your pet ever falls ill or gets injured while riding in the car with you. This choice is perfect for pet owners who often travel with their beloved furry companions.

Rental Car Reimbursement

If you frequently travel out of town, rental car reimbursement should be an option you consider. This coverage can assist in reimbursing the expenses for a rental car if your vehicle is involved in an accident and requires repairs. The rental car reimbursement option is beneficial because it keeps you mobile while your car is under repair, so you don’t miss important engagements.

Gap Insurance

If you recently bought a new car and have taken out a loan, gap insurance is something you should consider. This insurance option covers the difference between the value of your car and the amount you owe on your loan. This is beneficial if you get into an accident and your car is totaled. Gap insurance ensures that you won't be liable for the shortfall between the insurance payout and your car loan balance.

Windshield Coverage

If you drive on highways or roads with debris, you know how easily a windshield can get damaged. This is where windshield coverage comes in handy. This coverage covers the cost of repairs to your windshield if it gets damaged in a road incident. Windshield coverage is worth it for car owners who drive frequently on highways or in areas with high traffic.

Customization Coverage

If you have a customized car, you can add customization coverage to your car insurance policy. This coverage option covers the cost of repairs to any customizations you have made to your car. For example, if your custom wheels or sound system gets damaged, customization coverage would help replace or repair them. This coverage is especially important for car enthusiasts who have spent lots of money customizing their vehicles.

Car insurance is necessary, but it is not a one-size-fits-all solution. Unusual coverage options like pet coverage, rental car reimbursement, gap insurance, windshield coverage, and customization coverage ensure you have the right coverage for your needs. These options may come at an extra cost, but they could be invaluable in the event of a car accident.

To learn more about car coverage policies, contact an insurance provider near you. 

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