Understanding the 3 Key Coverages of Auto Insurance: Additional Coverages

How does auto insurance work?

This is final part in our four part series on auto insurance. We have found that many insurance consumers have no idea how their auto insurance works and how it can be used to protect them. For that reason, we wanted to write a series to help make sure that people are making well-informed decisions when it comes to purchasing their auto insurance and choosing the coverage that best fit their needs. Our previous posts included Liability Coverage, Uninsured/Underinsured Motorist, and Collision/Comprehensive Coverage. This post will explain additional coverages available for your auto insurance.

Additional Coverages

Today’s post is actually not about any of the three key coverages, but additional coverages you can use to protect you on your auto insurance. These additional coverages are optional and you must tell your insurance agent whether or not you want to add these to your auto insurance, as well, as the amount you wish to have for each.

Rental Reimbursement

Rental Reimbursement is a coverage on your auto insurance that will help cover the costs of renting a vehicle, while yours is being repaired in the shop after an accident. The amount of this coverage is decided by you and is usually about $35/day. If you and your spouse work far apart it would be a pain to have to car pool together while your vehicle is being repaired. Rental Reimbursement can help you avoid the hassle.

Personal Injury Protection

Personal Injury Protection, PIP, helps reimburse you for lost wages, child care expenses, medical expenses, and other similar things if you are in a covered accident. Again, the amount of reimbursement is dependent on the limits you decide to purchase.

Medical Payments

If you are in an accident, medical payments may be used to cover reasonable and necessary medical bills for you and your passengers. Like the above coverages, you may choose the amount of coverage you wish to purchase for additional monthly premium.

Towing and Labor

Towing and Labor will cover any roadside assistance you need. If your car breaks down or you have a blowout and need someone to come out to help or to tow the vehicle then Towing and Labor will help cover these expenses. You choose the amount you wish to be covered per occurrence.


These are not the only additional coverages, but are the ones that most people need and purchase on their auto insurance. These coverages help fill in the gaps that the 3 key coverages miss. If you have questions about your auto insurance and how you can ensure that you are receiving all the protection you need, give us a call at 817-423-0048. We love helping inform our customers and making sure that they are being properly insured at the best possible price. We hope you have enjoyed this series and that it has been beneficial to your understanding a product you will spend so much money on throughout your life: auto insurance.