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Optional Auto Coverages

Available optional coverages can vary by insurance company.  Check with your insurance company or insurance agent for optional coverages, coverage limits, and deductible amounts available for your auto policy.  The following are common optional auto coverages.

Collision Coverage

This coverage helps to pay to repair or replace your vehicle if it is damaged in an accident where you come in contact with an object (i.e. another vehicle, fence, building, telephone pole, road debris, etc.).  Generally, you will pay a portion of the cost to repair your vehicle, called a deductible.  The amount of your deductible will be listed in your auto insurance policy declarations.

Comprehensive Coverage

This coverage pays you when your vehicle is damaged from causes other than a collision (i.e. weather, fire, hitting an animal, vandalism, theft, etc.).  Generally, you will pay a portion of the cost to repair your vehicle, called a deductible.  The amount of your deductible will be listed in your auto insurance policy declarations.

Glass Coverage

This coverage typically covers the repair or replacement of your vehicle’s glass (i.e. windshield, windows, and sunroof/moonroof) when damaged.  Although, this coverage generally coincides with the Comprehensive coverage on your auto policy, there may be a separate deductible amount available for your policy.

The type of coverage, coverage limits, and deductible amounts offered under “Glass Coverage” can vary among insurance companies.  Carefully read your insurance policy or ask your insurance agent or insurance company about the type of coverage, the coverage limits, and the deductible amounts offered on your auto insurance policy.

Roadside Assistance/Towing & Labor

This coverage generally pays when you need a tow and/or other type of assistance on the side of the road, such as a lockout, empty fuel tank, etc.  Be sure you understand what is and is not covered under Roadside Assistance or Towing/Labor on your auto insurance policy.  The extent of coverage, the coverage limits, and the premium for this coverage can vary with each insurance company.

Rental Car Coverage

This coverage generally will pay for the cost to rent a substitute vehicle while your vehicle is being repaired for covered damages or, if your vehicle has been deemed a totaled loss, typically for the amount of time until the insurance company provides a settlement offer for your vehicle.

The type of vehicle approved by your insurance company for you to rent will depend on the amount of coverage available in your insurance policy.  This means that the rental vehicle may not be the same type as your vehicle.  If you choose to rent a vehicle with a higher rental rate, you may be required to pay the difference.

Keep in mind that this coverage typically does not reimburse you for fuel or any additional services you request from the rental car company.

Medical Payments

This coverage typically covers medical bills and funeral expenses you and/or your passengers have incurred due to injuries sustained in a covered auto accident.  The coverage typically applies regardless of fault.

Have more questions?

Contact the Consumer Affairs team

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