Friday, December 22, 2017

3 Ways to Make the Most of Your Insurance without a Major Accident

Many drivers will unfortunately be involved in a couple of major accidents at various points throughout their lives, but these incidents may be spread out across many years or even decades in some cases. 

During this time in between major car accidents, you may pay your auto insurance premium regularly without getting substantial benefit from it. The reality is that you do not need to be involved in a major accident to take advantage of some of your coverage benefits. 

In fact, these are some of the car insurance perks that you may have access to and that you may not be using when the opportunity arises.

Towing Service

Most people think about using towing service reimbursement through their auto insurance policy when they are in an accident and their car can no longer be driven

However, towing service may be available through some policies for other needs as well. For example, depending o the wording in your coverage, you may be able to use towing service if your car breaks down and is no longer able to be driven because of a serious repair issue. 

The availability of this coverage varies, so you should read the fine print in your policy.

Roadside Assistance

Many auto insurance policies include roadside assistance service as well. You may not think about turning to your auto insurance coverage when you need help changing a tire or when you need a jump for a dead battery. 

However, roadside assistance may be available to you around the clock in any location. More than that, it may be free of additional cost through your coverage, and it may be an easy solution to stressful situations that may be overlooked by many drivers.

Personal Property Coverage

Some drivers have paid for optional personal property coverage. This is coverage that reimburses you if items inside the vehicle are damaged or stolen. For example, if someone breaks into your car and steals your laptop and other expensive items, you can file a personal property insurance claim to be reimbursed for your loss. 

Some insurers like Crowel Agency, Inc. offer these coverages for home in addition to auto.

Getting reimbursed for expenses associated with a major car accident is one of the most common reasons why drivers file an auto insurance claim, but this is not the only reason to file a claim. 

Each insurance policy may have different types of coverage as well as varying limits, deductible amounts and more. By reviewing and understanding your coverage now, you can take advantage of its many benefits when the ability arises to do so.

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