Car insurance benefits differ according to one’s location as well as the company that writes the policy. If drivers are interested in a particular benefit, they should speak with company representatives before investing in the coverage. Once the policy is written, the driver will receive a copy listing all the services that are included.Many carriers offer automatic extension of the same coverage on an existing vehicle to a new one for up to thirty days, even if not notified of the change. This allows individuals to purchase new cars on the weekend and wait until the start of the business week before contacting the company and allowing the driver to bring the car home. Vehicles that are financed require a binder before leaving the lot due to lender requirements.Often companies offer some reimbursements for travel expenses of drivers unable to reach their destination due to an accident. The expenses may cover lodging, commercial travel or a rental vehicle. The agent can fill in the requirements for policy holders wanting to claim this benefit. In addition, many policies also provide coverage of any personal effects, such as luggage or clothing damaged in the accident.While drivers assume the policy will pay for injuries from the crash and repair of vehicles, drivers with full coverage find there are more things the company will cover. The goal of the company is to help everyone affected by the crash to get back to normal as soon as possible.A driver’s coverage is extended automatically to other operators of the vehicle.
For example, relatives living under the same roof may drive a vehicle without permission while still being covered. The coverage is also extended to any drivers given permission to use the vehicle.If two autos are covered by the same company and crash, the carrier often waives any deductible for both drivers. This is a beneficial clause for drivers. It can save several hundred dollars for each responsible party in the accident.If an insured party is required to testify at court due to a crash, the company may pay for loss of wages. The total amount paid for the lost wages is limited to a specified amount. This can help to cover expenses of time lost from work.If a vehicle is vandalized or stolen, the carrier may pay travel expenses by policyholders due to the crime.
Carriers often have a waiting period before this clause is available. Ask the agent to provide additional information if needed.Many policies have a bail bond clause written into the document. Those with coverage present the proof of coverage to the bond company for traffic-related arrests. Be sure to know the limitations on this type of coverage.Along with the car insurance benefits that protect a policy holder from financial loss from an accident, the coverage has many other features. The documents supplied at the time the coverage was purchased should outline all the features. Each benefit, along with the limitations, if any should be published in the document. A company representative can also supply answers to consumer questions.