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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.
There are numerous health insurance options and navigating the system can feel a little daunting. Unfortunately, scammers take advantage of people’s confusion by pretending to offer cheap, hassle-free help with obtaining health insurance coverage.
This also applies to damage that occurs after the accident. While you may consider the damage from the accident and the damage from the tow truck to be all one incident, your insurer will view it differently.
If your friend was hit by an insured driver, the process will be simple enough. The at-fault driver will file a claim with their insurance company, who will pay to get your vehicle back to pre-accident condition. If the collision was bad enough to cause an injury, the at-fault driver’s auto insurance could also cover medical bills, lost wages and any other expenses associated with the accident.