Special article brought to you by Heiner’s Insurance Center
POSTED BY LISA D. – ACUITY
Life is full of surprises. There are bad surprises—like when your new shirt shrinks in the wash. And there are good surprises—like when you find $20 in your pocket.
Here are four optional car insurance coverages you may have, or that you could add to your policy, to help turn a potential bad surprise into a good one:
KEY AND LOCK REPLACEMENT. Have your vehicle keys ever been lost or stolen? The cost to replace vehicle keys and locks can add up and is not typically covered by a standard auto insurance policy. Opting for this insurance coverage could help lessen the financial burden during an already stressful situation.
PET INJURY. If you travel with your beloved pet, check out insurance coverage that pays expenses if your furry family member is injured in an auto accident.
RENTAL CAR. Your auto insurance policy may automatically provide the same coverages and limits that apply to your vehicle to a vehicle you rent. However, if you’re involved in an accident, the rental car agency may require you to pay if the rental vehicle cannot be rented out to others or becomes less valuable. Adding loss of use and diminution in value coverages to your auto policy can save you a bundle if your rental is wrecked.
TRAVEL EXPENSES. An accident far away from home is never convenient. You could end up having to pay for unexpected transportation, meals, or lodging. Insurance coverage could help pay for these extra expenses to reach your original destination or return home.
These enhancement-type coverages sometimes have their own endorsement form and must be purchased separately. Like buying items in bulk or combining home and auto insurance, it may be a better value to purchase a set of enhancement coverages listed on one endorsement form for one price. Ask your insurance agent about auto enhancement coverages today!