Look at the premium and you can decide if it is a good value to youRoad Service Coverage: This is really convenience coverage. Comprehensive coverage is usually less expensive than collision coverage, and many people decide to keep comprehensive coverage on a policy even if they drop the collision. Uninsured/Underinsured coverage allows you to come back against your own insurance policy to collect up to whatever limits you have selected. You find out the other driver does not have many assets and does not have high enough limits on his or her liability coverage to cover your damages. Uninsured/Underinsured Motorist: Ok, now let's say you are in an accident and hurt badly This time the other driver is at fault and you decide to sue him or her. If you have a spare car available, you probably do not need this coverage. If it takes 2 weeks to fix your car, and the rental car costs $25 per day, that's over $350. Think about what you can afford to pay if you don't have the coverage. This coverage can be expensive, but the first question most people ask when they call in a claim is, "Do I have ccs rental coverage?" When your car is in for routine repair or maintenance, this coverage will not pay. Car Rental: Car rental coverage pays up to a certain amount to help you rent a car while yours is being fixed from a covered loss. If your company does not have an assigned service provider, you will probably have to pay the bill yourself and then be reimbursed by the insurance company If you have an agent, he or she can often write the reimbursement check from the office directly to you, before you get your credit card bill.Coverage is also provided for getting locked keys out of the car or helping to change a flat tire. Most will pay only up to a specific amount per tow, or to the closest place that can repair your car. Some companies require you to use a particular number to call, while others let you choose who to call. Still, it can be good to know you have the coverage should you need it. Most people will not go broke paying for a towing bill. Give yourself as much coverage as you have provided for if someone were to sue you. My advice is to carry the same limits here as you do for your liability limits. |