These are some of the upgraded coverages you should add to your auto policy.
If you are still relying on the coverage offered by minimum auto insurance, then you don’t have the comprehensive protection that you need. In fact, there are many different coverages that you should consider adding to your policy. Here are a few of the most important coverages you should consider adding.
While you might have coverage for the damages your car sustains in an accident, what happens if your car is damaged as a result of circumstances beyond your control? Well, if you have comprehensive coverage, then your policy will cover the damages that result from things like theft, vandalism, and extreme weather events. Without this insurance, you would be financially responsible for repairing the damages caused by incidents other than a collision.
Uninsured/Underinsured Motorist Coverage
Research shows that one in eight drivers do not carry insurance with an even larger percentage of drivers carrying insurance that fails to meet state insurance minimums. If you were to get into an accident with one of these drivers, you would have to cover your own medical payments and repairs, even if you were not the driver at fault. This is why having uninsured/underinsured motorist coverage is so important. Having this type of insurance will ensure that you can cover the costs that result from getting into an accident with an irresponsible driver.
Medical Payments Coverage
While most states require drivers to carry some level of liability insurance, this type of insurance will only provide coverage for another driver’s injuries. If you want insurance coverage for your own medical expenses, then you need to get medical payments insurance. This type of insurance will provide coverage for the medical treatment that you and your passengers might need after an accident—regardless of who is at fault.
These are some of the additional coverage that you should add to your auto policy. Interested in getting the comprehensive car insurance that you need to adequately protect yourself? Don’t hesitate to contact the experts at Duane Weber Insurance, Inc. in Kent, Washington. We are ready to assist you with all your coverage needs.