Optional Auto Coverages
This coverage pays to repair or replace your vehicle in the event of an accident when your auto collides with another vehicle or object. As with comprehensive coverage, most people who purchase this coverage are those driving newer vehicles who would find it financially unsound to withstand a large out-of-pocket loss as a result of a motor-vehicle accident.
Comprehensive Insurance Coverage covers your vehicle in case of losses resulting from incidents other than collision. Some examples of this might be damage from hail, flood, fire, glass breakage, vandalism, animals, or theft. Typically people driving newer/valuable cars add this if they deem that it is worth it and if anything were to happen to their car, it will be repaired or in case of theft, replaced.
This coverage is set in place when you have an existing loan on a car and in the event of an accident (total loss), it covers the existing gap between the Actual Cash Value of the car and the amount left on the loan.
Covers the cost of towing in case of a break-down or accident. This coverage is typically inexpensive and unless your car has a history of break downs can easily be added to your policy.
Sometimes included in policies, however if your policy does not include this and/or you want additional coverage added to your policy, this in most cases can be done. The cost to cover a rental car is generally very inexpensive and normally covers 30 days of rental car usage at a rate of - per day.
