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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.
Debunking Common Auto Insurance Myths. The auto insurance industry can be confusing, and a lot of misinformation gets passed around. Not only can this make it difficult to understand your insurance coverage, but it can also end up costing you money.
Collision and Comprehensive Insurance are two types of coverage that you can add to your auto insurance policy. While these two separate types of coverage can be easy to confuse, they each cover different types of claims.
Knowing when to file a claim and understanding how it could affect your monthly premium is essential in making the best decision in the event of an accident.