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If you’re involved in a collision in which your car sustains extensive damage or is even totaled, you may be without a vehicle for days or even weeks. If you’re like most people, then that just isn’t going to work for you. Fortunately, your auto insurance provides you with a few different options that can tide you over until your car is repaired or you’re able to purchase a new vehicle.
One type of additional coverage that can be added to your policy is rental reimbursement. This coverage would reimburse you for either your daily rental charges or your policy limit, whichever is less. It can be used after any covered collision or comprehensive loss (assuming you carry collision and comprehensive coverage).
K4 and K5 coverage can also help with post-accident “loss-of-use” costs. Loss of Use (K Coverage) reimburses the Insured for a flat sum to assist with expenses incurred for each qualified disablement on a covered vehicle.
Wondering which type of additional coverage is right for you? Your auto insurance agent can help you weigh your options and choose the one that is best for your needs and lifestyle.
Auto insurance companies use advanced algorithms that take into account numerous factors when determining your monthly auto insurance premium. One seemingly unrelated factor is your credit history.
An accident can leave your head spinning, no matter how minor it is. The actions that you take in the moments following a collision are important for ensuring that the situation is resolved as quickly and as soon as possible. In some cases, filing a police report is an essential part of settling a claim, especially if you or the other driver will be seeking compensation for damage to a vehicle.
You may assume that since you have a preexisting condition, you’ll pay a higher premium than someone who is in perfect health. However, an insurer cannot reject you, refuse to pay for health benefits pertaining to your illness or injury, or charge you a higher premium because of your condition.