The sun sets early, and it gets cold outside at night. Are you ready in case of an accident or breakdown?
My Christmas present to you this year is to remind you of two optional coverages that you may not have.
Towing and roadside assistance
“It was a dark and stormy night.”
That famous quote from Snoopy (he stole it from another famous writer, but I digress) … is funny, unless the dark and stormy night happens to you.
How many of you are absolutely sure ... 100 percent positive … that you have towing coverage on your auto insurance policy?
A typical tow can easily cost well over $100. That’s for the easy tows over a short distance. And you’d better have the money up-front. It’s not uncommon for a tow to be well over $200.
Optional towing and roadside assistance coverage on your policy can cover all or most of a tow.
Many people assume that this is included automatically on their car insurance policy. But it’s not.
Don’t assume that you have this coverage. Call your agent today and make sure you do. Your agent will love hearing from you (I always love to hear from my customers. Most agents do.) It’s easy for them to check that you have this, and they can also wish you Happy Holidays!
Rental car reimbursement in Napa
This coverage is not automatically included with your auto insurance policy.
That’s a surprise to many people.
It’s terribly disappointing when this fact is discovered after a car accident.
Rental car reimbursement provides, with no deductible, for a rental car in case of an accident or theft. But remember, it doesn’t provide coverage for mechanical breakdowns. It’s for accidents and theft only.
Also, you must have underlying “full coverage” in order to add this endorsement (extra coverage) to your policy.
But it’s still worth it.
A typical stay in the auto body shop after an accident can be up to a week or more.
At this time of year, roads are often wet, darkness starts early, and the number of accidents is up.
If someone hits you, even though they may be at fault, it could be some time before their insurance company starts paying for your rental car.
Yes, even if they are at fault, you are likely going to have to front the money for a rental car.
Do you know if you have this coverage? It’s easy to check with your agent to be sure.
Happy holidays to you!
Before you begin driving to all of your family get-togethers, call your agent. Make sure you know your coverage. They’ll be glad you called. I know I will. And Merry Christmas!