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Frequently Asked Questions

Below are some of our frequently asked questions. If you have any other questions or concerns, please feel free to contact us.

  1. How much auto insurance coverage do I need?
  2. So, what's the secret to finding reliable, affordable auto insurance coverage?
  3. How much auto insurance coverage is required in my state?
  4. Do I need special auto insurance coverage if my auto's leased or financed?
  5. What if I don't understand some of the insurance terms in my online auto insurance quote?
  6. How do I get a comparison insurance quote?
  7. Why do you ask how long I've had auto insurance coverage?
  8. Why do I need auto insurance coverage?
  9. Who should I share auto insurance coverage with?
  10. What is liability coverage?
  11. What is bodily injury coverage?
  12. What is collision coverage?
  13. What is comprehensive coverage?
  14. What is property damage coverage?
  15. What is Personal Injury Protection?
  16. What is uninsured or underinsured motorist bodily injury coverage?
  17. What is uninsured or underinsured motorist property damage coverage?
  18. What is rental car reimbursement coverage?
How much auto insurance coverage do I need?

While the phrase "less is more" may be true when you're decorating or accessorizing, when it comes to auto insurance, more is less: the more coverage you have, the less it will cost you if you get in an accident. While there's no hard and fast rule about the amount of auto insurance coverage you should have, most states require that you carry only a minimum level of auto insurance coverage.

However, be aware that most auto insurance companies advise against carrying only your state's minimum auto insurance requirements. Why? Because if you're involved in a serious accident, the costs will significantly exceed your auto insurance coverage — making you liable for thousands of dollars out of your own pocket! Don't skimp on your auto insurance coverage. You'll need it to protect you if you're ever involved in an accident.

So, how much auto insurance coverage is adequate? The amount of auto insurance coverage you need depends on a variety of factors. Some factors you should consider when you buy auto insurance coverage include:

  • Your appetite for risk — If you don't like taking risks, your auto insurance coverage should reflect that with high coverage limits and low auto insurance deductibles.
  • Risks associated with where you live — Do you live among wildlife, or are fender benders a common occurrence where you live? If so, beef up on your coverage.
  • Your vehicle — If you have a brand new vehicle, you may want to increase your auto insurance coverage to protect your investment in the event you're involved in an accident.
  • Your assets — The more assets you have, the more auto insurance coverage you need to protect them.

  • Your passengers — Do you regularly have young passengers in your vehicle? If so, get auto insurance coverage to protect them should you be involved in an accident.
  • How you're paying for your car — If you're financing or leasing a new car, consider adding gap insurance or loan/lease coverage to help you cover costs in the event of a total loss.


This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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So, what's the secret to finding reliable, affordable auto insurance coverage?

Whether you're buying groceries or shopping for auto insurance coverage, you always want to get the best value for your dollar. Simon Insurance offers some advice to help you save money and stretch your auto insurance dollar:

  1. Choose high limits and high deductibles
    It's no secret — high limits provide you with more protection if you're involved in an accident. Choosing a high deductible will require you to pay more money out-of-pocket if you're involved in an accident, but will lower your auto insurance premium.

  2. Search for auto insurance discounts
    Auto insurance discounts can help you save significantly on your auto insurance coverage. Check out the "auto insurance discounts" section of our FAQs, to see if you could be saving even more on your auto insurance.

  3. Compare auto insurance coverage levels
    When you shop for coverage from Simon Insurance, get several different quotes. During your research you'll probably find that higher limits don't cost much more than lower ones. (Getting auto insurance quotes from Simon Insurance is fast and always free, so you have no excuse not to compare!)

  4. Shop around for the best deal
    Get several auto insurance quotes from different insurance companies before you buy or renew your policy. Insurance companies vary, so you could get a better deal somewhere else.

  5. Don't be afraid to switch
    You can switch insurance companies whenever you want, even if it's in the middle of your auto insurance policy term. Choose the best rate and save. And remember, don't allow your coverage to lapse. It not only puts you at risk, it may also lead to higher insurance rates.


This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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How much auto insurance coverage is required in my state?

Whether you're battling traffic on an LA freeway or cruising the back roads of Virginia, you need auto insurance coverage. Just how much insurance you need varies, however. Each state has different regulations governing auto insurance coverage, and your state's department of insurance determines the minimum coverage you must carry. When you get your free auto insurance quote from Simon Insurance, you will be shown the different kinds of mandatory and optional auto insurance coverage available in your state.

At Simon Insurance we know that you have better things to do with your time than figuring out the differences between coverage requirements. That's why we went ahead and did the dirty work for you. During the quote process we link helpful coverage descriptions to each of the coverage names and we also tell you whether the specific auto insurance coverage is required or optional.

Helpful hint: the lowest limit listed under mandatory coverage is typically your state's minimum auto insurance coverage requirement.

Although saving money on your coverage may seem appealing at the outset, most auto insurance companies advise against carrying only your state's minimum requirements. If you're involved in a serious accident, your lower limits may not cover the accident's costs! Simon Insurance offers several types of coverage at affordable rates, so you can find a policy that's just right for you. Generally, higher limits don't cost much more than lower limits. If you're involved in an accident you'll be glad you have the increased protection!


This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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Do I need special auto insurance coverage if my auto's leased or financed?

Most of us are unable to pay for a new car up front so leasing and financing have become common practices. Hence, it's important to understand how they affect your insurance. The first thing to do is check your loan or leasing agreement because it should provide details on the kinds of auto insurance coverage your financial institution requires.

Though each leasing agent or lender has different requirements, most will require you to buy comprehensive and collision coverage when you purchase your auto insurance policy. If the terms 'comprehensive coverage' and 'collision coverage' sound like a foreign language, check out the auto insurance coverage definitions in our FAQs for help!

Many financial institutions will require liability limits that are higher than your state's minimum coverage requirements. This is done to protect their interest in your loan. If you get into an accident, the financial institution gets stuck with the unpaid portion of your loan. It's logical that they would want to protect themselves.

When buying auto insurance coverage for your leased auto, remember that most insurance companies pay only the actual cash value — the market value factoring in age, mileage, and wear and tear — for a vehicle, rather than that vehicle's replacement cost. In other words, if you crash your 1974 VW Beetle, don't expect a brand new Beetle out of the deal! If you're involved in an auto accident and your leased auto is severely damaged, you may find yourself responsible for damages that your auto insurance policy doesn't cover.

Don't skimp on auto insurance coverage for your leased or financed vehicle. Make your auto insurance coverage work for you by purchasing the highest coverage limits you can afford. Generally, higher limits don't cost much more than lower ones, but you'll be glad you have the increased protection if you're ever involved in an accident. Make sure you get several auto insurance quotes from Simon Insurance to help you make an informed decision about your auto insurance coverage.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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What if I don't understand some of the insurance terms in my online auto insurance quote?

If you're looking for an auto insurance website that explains auto insurance coverage terms in plain English, you've come to the right place. At Simon Insurance we work hard to make auto insurance as uncomplicated as possible. We also try to make the process of buying and managing your auto insurance hassle free.

f you still have questions about confusing insurance terms or auto insurance, you can always contact one of our representatives. Our customer service center is open 5 days a week to handle your questions, and also those thought of after hours by contacting us here online 24/7 on Simon-Insurance.com!

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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How do I get a comparison insurance quote?

Before you buy a car, you visit several dealers in order to make sure you are getting the best price. The same should be true of auto insurance. If you want to get the best deal on your auto insurance coverage, you have to get several comparison quotes. The good news is that you can do all your auto insurance research at Simon Insurance.

When you get a quote from Simon Insurance, you can compare different coverage levels and find out what your rate would be with other insurance companies. If you're new to shopping online, you'll find that doing your research on the Internet can save you time and money — you'll wonder why you didn't start sooner!

Getting a quote from Simon Insurance takes only a few minutes! Once you have your quote, we tell you how much you would pay for the same coverage at other insurance companies. Most of us don't have a lot of time to spend comparing auto insurance quotes. That's why Simon Insurance makes it possible for you to get your quote and compare it all in one place.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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Why do you ask how long I've had auto insurance coverage?

This question may seem strange, but it's actually quite typical for auto insurance companies to ask drivers how long they've had auto insurance coverage. Many insurance companies use information about your auto insurance history to help them determine a rate that is specific to you. Of course the insurance company can never know the real you, so they have to base their rates on tangible facts, like insurance history, instead.

Insurance companies like to see that customers have a history of consistent, continuous auto insurance coverage. Drivers with gaps in their auto insurance coverage may get charged a higher rate because, to insurance companies, they appear more risky to insure.

When you do decide to purchase new auto insurance, always remember to buy your new policy before your cancel your old one. Having even a one-day gap in your auto insurance coverage could make you look risky to an insurance company. In most states, driving without insurance is illegal. You may think you're saving money by allowing your insurance to lapse, but even a simple fender bender could end up costing you much more out-of-pocket!

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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Why do I need auto insurance coverage?

Whether you have a perfect driving record or a few violations under your belt, you will need auto insurance coverage. Maybe you've just spent way too much money on your new car, and can't afford a lot of auto insurance coverage. Or maybe you feel like your hunk of junk isn't worth insuring at all. Keep in mind, however, that auto insurance isn't just about paying for damages to your own car.

There are several types of auto insurance coverage available to drivers. While collision coverage is available to pay for damages to your own car, liability coverage will pay for damages to another person's property if you are responsible for an accident. If you're ever in this position, liability coverage can save you thousands of dollars and helps you pay the costs of related lawsuits.

Although many auto insurance coverages are optional, in most states liability coverage is mandatory. These states will require minimum levels of coverage, but you should consider buying higher levels, which will afford you greater protection.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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Who should I share auto insurance coverage with?

If you share an address with other drivers, it's important that you all have auto insurance coverage. Whether that other driver is a roommate, a spouse, a domestic partner, or a child, if he or she has a drivers license, he or she should have auto insurance coverage. When you get your quote from Simon Insurance you should be sure to account for all drivers, regardless of whether they drive the car(s) on your policy or not.

Even if one (or more) of the drivers in your household never drives one (or more) of your cars, you will still be required to put them down as an occasional driver. Why? If a driver is listed on your auto insurance policy as never driving a particular car and that driver later gets into an accident while driving that car, this may slow the claims process or even result in a denial of auto insurance coverage.

Although we all want to save money, it pays to insure all drivers in your household. It doesn't cost much more to insure another driver and can save you a lot of headaches in the end. Get a free quote from Simon Insurance today and find out just how much you could save on convenient, reliable auto insurance coverage!

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.


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What is liability coverage?

Nobody wants to think he or she will ever be responsible for an accident. Unfortunately, in most cases someone has to take the blame for damages or injuries incurred during a collision. Liability coverage is thus an important part of your auto insurance policy. It's the coverage that helps you pay for damage to yourself, another person, or others' property. If you're the person held accountable for damages during an accident, you'll be glad that you invested in liability coverage.

Liability coverage will compensate others for their losses if you're responsible for injuring another person or if you're responsible for damaging another person's vehicle or property. Liability coverage also helps you pay the costs of related lawsuits. Imagine if you had to pay for all this out of pocket!

There are 2 main types of liability coverage in your auto insurance policy: bodily injury and property damage coverage. Bodily injury coverage helps you pay for an injured person's medical expenses and lost wages if you're at fault in a car accident. Property damage coverage, on the other hand, will help pay for damages to another person's property (such as a fence, car, or home) if you cause an accident. Both types of coverage can also help protect you in the event of a related lawsuit.

Liability coverage is so important that most states require you to have it as a part of your auto insurance policy. Even if your state doesn't require this type of insurance, it's still wise to invest in adequate coverage. A few extra dollars a month could help you save thousands in the long run!

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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What is bodily injury coverage?

Bodily injury coverage sounds a bit scary, doesn't it? We all like to think we're immune to injury accidents, but unfortunately they're called accidents for a reason. Bodily injury coverage is a very important type of auto insurance coverage.

That's because bodily injury coverage helps you pay for an injured person's medical expenses and lost wages if you're at fault in a car accident. Bodily injury coverage can also help protect you in the event of a related lawsuit. If you don't carry adequate coverage, you could be dealing with quite a few expenses.

Bodily injury coverage is a type of liability coverage. When you're buying a policy, you'll be able to choose how much liability coverage to purchase. Covered costs are subject to the limits you choose when you buy your auto insurance policy. We suggest you don't skimp on your coverage — should you get into an injury accident it could cost you thousands of dollars out of pocket.

Because it's such an important coverage, most states require you to have bodily injury coverage as a part of your auto insurance policy. However, the low limits required in some states are typically not enough to protect you and your household. Even if bodily injury coverage is not required in your area, we urge you to cover yourself.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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What is collision coverage?

When you think about auto insurance coverage, most likely collision coverage is what comes to mind. Unlike liability insurance, collision coverage is designed to help pay for damage to your own automobile. In your auto insurance policy, collision coverage helps pay for auto repair or replacement costs if your car rolls over or if your car hits another vehicle or object.

Collision coverage is not mandatory in every state. However, if you were ever in an accident the out-of-pocket expenses would far exceed what you pay for collision coverage.

When you buy collision coverage, you'll be asked to choose a deductible. If you choose a deductible of $1,000, you'll be required to pay up to $1,000 out of your own pocket if your car needs to be repaired or replaced. However, choosing a higher deductible helps decrease your auto insurance premium.

In setting your deductible, think about which you'd prefer — a low insurance premium accompanied by a higher out-of-pocket amount in the event of an accident, or a higher premium to ensure lower out-of-pocket expenses toward an accident.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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What is comprehensive coverage?

When we think of car accidents, we usually think of collisions with other cars. In reality, there are several random, yet just as severe, ways in which your car can sustain damage. Comprehensive auto insurance coverage is your way of making sure you're covered should your car be attacked by a vengeful rock, or an angry tornado.

In your auto insurance policy, comprehensive coverage helps pay for damage resulting from falling objects, fire, certain natural disasters (check your individual state's policies for details), and vandalism.

Comprehensive coverage also generally covers theft. Unfortunately, in many places theft isn't such a random occurrence. If you live in a metropolitan area, or an area that is prone to crime, you may want to consider this when you are purchasing your comprehensive coverage.

When you buy comprehensive coverage, you'll be asked to choose a deductible. If you choose a deductible of $1,000, you'll be required to pay up to $1,000 out of your own pocket if your car needs to be repaired or replaced. However, choosing a higher deductible helps decrease your auto insurance premium.

In setting your deductible, think about which you'd prefer — a low insurance premium accompanied by a higher out-of-pocket amount in the event of a loss, or a higher premium to ensure lower out-of-pocket expenses toward a loss.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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What is property damage coverage?

Property damage coverage is much like it sounds: it helps you pay for damages to another person's property (such as a fence, car, or home) if you cause an accident. This form of auto insurance coverage can also help protect you in the event of a related lawsuit. Property damage coverage is thus one of the most important types of auto insurance coverage in your auto insurance policy.

When you damage your own property you can choose what is worth repairing and then do it according to your own timeline. If you damage someone else's property, the person is probably not going to be quite as flexible.

Consider the cost of a new car on average — over $20,000. If you're responsible for destroying someone else's car, you may be responsible for $20,000. If you cause an accident which destroys someone's Porsche, you'll be liable for $40,000–$50,000 of damage. If you hit someone's house in an accident, structural damage to a home could easily top $50,000. Spending a few extra dollars a month is well worth your while if you ever end up in one of these situations!

Because it's such an important coverage, most states require you to have property damage coverage as a part of your auto insurance policy. However, the low limits required in some states are typically not enough to protect you and your household.

Remember that when you buy auto insurance coverage, you should purchase the highest limits you can comfortably afford in order to obtain maximum insurance protection. Property damage coverage provides a lot of protection and is inexpensive.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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What is Personal Injury Protection?

Personal injury protection, or PIP, could be a considered a beefed up version of medical payments coverage. In addition to covering medical, dental, and funeral expenses, this type of auto insurance coverage takes care of the cost of rehabilitation, psychiatric treatment, lost wages, and similar costs relating to an accident.

PIP is only available in certain states. In these states, it's often a mandatory part of your auto insurance coverage, even if you already have medical insurance. PIP coverage varies widely from state to state. Check the details on the PIP coverage available in your state when you get your online auto insurance quote.

It's a good idea to check your health plan to ensure that you don't duplicate your coverages. However, if your health plan requires you to pay a deductible, PIP coverage may help pay it. This coverage can also help pay for items not covered by your health plan, such as dental treatment, professional nursing services, prostheses, and funeral services. If covering a health deductible or paying for these additional treatments would be valuable to you, select a medical payments coverage amount that reflects your needs.

If you already have comprehensive health insurance, the lowest limit of PIP may be sufficient. Yet, you may find that PIP provides additional benefits that you're not currently receiving. If you don't have health insurance, we strongly urge you to purchase the maximum amount of PIP coverage you can afford when you buy your auto insurance coverage. Don't leave yourself vulnerable to the high price of medical care.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.

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What is uninsured or underinsured motorist bodily injury coverage?

In most states, driving without insurance is illegal. Unfortunately, that doesn't always stop motorists from doing so. That's why uninsured/underinsured motorist bodily injury coverage was created.

Uninsured/underinsured motorist bodily injury coverage pays for medical expenses, lost wages, and other general damages when policyholders, authorized drivers, or passengers are injured in an accident caused by a driver who has no auto insurance coverage or insufficient auto insurance coverage.

Covered costs for uninsured motorist coverage are subject to the limits you choose when you buy auto insurance. Uninsured motorist coverage may also pay for injuries sustained in hit-and-run accidents.

Covered costs for underinsured motorist bodily injury coverage are typically the difference between your coverage and the other driver's bodily injury coverage.

These coverages are available in most states. In fact, many states require you to purchase one or both as a part of your auto insurance policy. In some states, these coverages are offered together as a single package called uninsured/underinsured motorist bodily injury coverage and provide the protection described above.

Remember that you should purchase the highest limits you can comfortably afford in order to obtain maximum insurance protection. The low limits required in some states are typically not enough to protect you and your household. Hospitalization and wages lost during recovery can add up to thousands of dollars. Therefore, higher liability and uninsured motorist limits constitute an important protection.

If you're injured in an accident with an uninsured or underinsured driver, you shouldn't have to pay for his or her irresponsibility. Check the details on the types of uninsured/underinsured motorist coverage available in your state when you get your auto insurance quote at Simon Insurance today!

This page is intended to provide you with general information about car insurance and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.


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What is uninsured or underinsured motorist property damage coverage?

Imagine you're driving along the highway and you're hit by another car. Your car has hundreds of dollars worth of damage, and you find out the other driver doesn't have auto insurance coverage. Initially this may seem like a big problem, but if you have uninsured/underinsured motorist property damage coverage, you'll be able to avoid tapping into that retirement fund.

Uninsured/underinsured motorist property damage coverage protects you if your vehicle is damaged in an accident involving a driver who has no insurance coverage or insufficient insurance coverage.

Uninsured motorist coverage generally pays up to the limit you purchase when you buy auto insurance.

Underinsured motorist coverage typically pays the difference between your coverage limit and the other driver's property damage coverage limit.

These coverages are available in most states and are mandatory in many. In some states, these coverages are offered together as a single package called uninsured/underinsured motorist property damage coverage and provide the protection described above.

Check the details on the types of uninsured/underinsured motorist coverage available in your state when you get your quote. Then you won't have to worry about who is going to pay for damages if you're hit by a driver who doesn't have auto insurance coverage.

This page is intended to provide you with general information about car insurance, and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.


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What is rental car reimbursement coverage?

If you've been involved in an accident and your car's been damaged, you'll probably need a rental car to get around in until your own car's ready. So you may want to invest in rental car reimbursement coverage when you buy your auto insurance coverage.

Auto insurance coverage doesn't just have to cover damages to you and your car. It can also help you pay for a rental car. If you've been in an accident, or if your car has been stolen, rental car reimbursement defrays the cost of renting a car while your car's in the shop or while your car's being replaced.

In some states, you can buy this optional coverage when you buy auto insurance coverage. Rental car reimbursement coverage will give you one less thing to worry about after the stress of a car accident. When selecting your rental reimbursement coverage, be sure to consider the size and make of the vehicle that suits your needs and the typical daily rental rate for it.

This page is intended to provide you with general information about car insurance and to help you understand the various kinds of coverage. It does not describe or refer to any specific policy or coverage. For information about your particular coverages, we encourage you to read your policy contract and consult your insurance representative with any questions.



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