Medical Auto Insurance - If you are involved in an accident, auto insurance that has medical payments coverage can be very valuable.  This will pay for any medical expenses for you, and anyone with you, that are involved in an accident, no matter who is at fault. If the accident is not your fault, and the other driver doesn’t have enough insurance to cover all the medical costs, then this is where the medical auto insurance you carry comes in.  It will pay any additional medical expenses incurred.

Uninsured/Underinsured Motorist - If you are involved in an accident, the other driver is at fault, and the other person either doesn’t carry auto insurance or doesn’t have enough coverage this type of auto insurance will protect you and anyone that is with you.  This type of coverage could be a very important part of your policy.  This auto insurance will also cover you and other passengers in the event of a hit and run accident, and the other driver cannot be found.

There are additions to your auto insurance policy that you might find valuable.  These are towing, rental car, and roadside assistance.  Rental car coverage, on your auto insurance, can be valuable, particularly if you only have one car.  And since cars do break down, knowing roadside assistance and towing coverage are on the auto insurance policy, can be worth the comparatively small cost of peace of mind. These options can be beneficial, but check to make sure you aren’t doubling your coverage with another car club.