These are some of the additional coverages you should add to your auto insurance.
If you are still relying on the coverage offered by minimum car insurance, then you do not have adequate protection to address all your risks. This is why you should consider upgrading your policy this month. Here are some of the additional coverages that you should tack onto your policy.
While you might have coverage to address the damages to your car after getting into an accident, what happens if your car is damaged outside of a collision event? If you do not have the proper protections in place, then you will be financially responsible for the damages caused by theft, vandalism, extreme weather events, and other perils. Luckily, adding comprehensive insurance to your policy will ensure that you have coverage for all the damages that your car is at risk for.
Medical Payments Insurance
While most states require drivers to carry liability insurance, this coverage will only assist with the other driver’s medical costs. If you require medical treatment following an accident, your liability insurance will not extend coverage for these costs. This is why you should consider adding medical payment insurance to your policy. This will cover the medical costs that you and your passengers might rack up as a result of an accident—regardless of which driver was at fault.
Uninsured/Underinsured Motorist Insurance
Unfortunately, many drivers are uninsured or fail to carry the minimum insurance they need. 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 protect against this risk is by adding uninsured/underinsured motorist coverage to your policy today.
These are some of the coverage upgrades you should add to your auto policy. Looking to find the comprehensive auto coverage that you need? Then don’t hesitate to contact the experts at Randy Jones Insurance Services in Pleasanton, California. We are ready to assist you with all your coverage needs today.