The Importance of Additional Coverages in Auto Insurance

Car accidents can happen to anyone, regardless of how safe a driver they may be. That’s why it’s essential to have auto insurance coverage to protect yourself, your passengers, and your vehicle. While most people have a basic level of coverage, there are additional coverages that you can add to your policy to provide even more protection. In this post, we’ll detail the different additional coverages that you can add to your auto insurance policy and why they are important.

Personal Injury Protection (PIP)

Personal Injury Protection, or PIP, is an additional coverage that covers medical expenses, lost wages, and other related expenses if you or your passengers are injured in an accident. PIP is a no-fault coverage, which means that regardless of who caused the accident, your medical expenses will be covered. In some states, PIP is mandatory, while in others, it’s optional.

Collision Coverage

Collision coverage covers the cost of repairs or replacement if your car is damaged in an accident. This coverage is particularly important if you have a newer or more expensive car. If your car is totaled in an accident, collision coverage can help you avoid a significant financial loss.

Comprehensive Coverage

Comprehensive coverage is another type of coverage that covers damage to your vehicle that is not caused by a collision, such as theft, vandalism, or natural disasters. Comprehensive coverage is especially important if you live in an area prone to theft or natural disasters.

Glass Coverage

Glass coverage covers the cost of repairing or replacing your car’s windshield or other windows if they are damaged. This coverage is particularly important if you live in an area where road debris or severe weather can cause window damage.

Rental Car Coverage

If your car is in the shop for repairs after an accident, rental car coverage can help cover the cost of a rental car. This coverage is particularly important if you rely on your car for work or other important activities.

In conclusion, while basic auto insurance coverage is essential, adding additional coverages to your policy can provide even more protection and peace of mind. At Univista Insurance, we offer a variety of auto insurance coverages to fit your needs and budget. Contact us today to learn more about our auto insurance options and how we can help you stay protected on the road.