Many carriers offer optional coverage options that can be added to customize policy that best fits your needs. Some examples of these coverage options include:
Rideshare/Transportation Network coverage – You’re excited and ready to start driving for a transportation network, such as Uber® or Lyft® — but if you don’t have the right insurance coverage, you may not be protected in the event of an accident when you’re logged into a ridesharing app and waiting for a trip request/customer. Rideshare coverage helps to fill the gaps that the rideshare company doesn’t cover.
Roadside assistance coverage – Roadside Assistance pays for towing services if your car breaks down for any reason, whether you’re on the road or in your driveway. Provides towing to the nearest repair facility or the mechanic of your choice within the limits of the policy. Roadside assistance also provides lock-out service, flat tire changes, fuel/fluid delivery of supplies including oil, water and fuel, battery jumpstart, and other related issues.
Rental car reimbursement – If your car is in a covered accident (not routine maintenance), cost of a rental up to your policy’s limits will be covered (typically between $40-$60 per day) while your vehicle is at the body shop.
Full Safety Glass Coverage – When damage isn’t caused by collision (think storms, falling objects, and vandalism), Full Safety Glass coverage helps cover replacement or repairs to the glass on your vehicle such as windows, windshields, and headlights. And best of all, when you have Full Safety Glass coverage, there’s no deductible for a glass claim!
Custom parts and equipment value – Custom parts and equipment (CPE) coverage can repair or replace items that you add to your car, like a stereo, navigation system, custom wheels, or even a paint job. If it wasn’t installed by the original manufacturer, it’s considered an after-market accessory that you’ll want to insure. CPE coverage typically has a $5,000 limit.
Original Equipment Manufacturer (OEM) Parts Coverage – If your vehicle is under 10 model years old, it can be repaired using manufacturer parts rather than aftermarket parts. This coverage is available for specific vehicle types like private passenger autos, pickup trucks, vans and motorcycles and usually requires comprehensive & collision coverage.
Loan/lease payoff – If you finance or lease your car, loan lease payoff (also known as “gap insurance”) can cover the difference between what you owe on your vehicle and what it’s actually worth (up to 25% of the actual cash value).
Auto Replacement Cost – Total Loss Plus – For an additional premium, auto replacement cost coverage is available for vehicles that are within 2 model years of the policy date. Total Loss Plus coverage is an enhancement for vehicles that no longer qualify for Auto Replacement Cost coverage and are deemed a total loss.
