Auto insurance is legally required in most states, including Pomona, CA. Before you find yourself stranded on the side of the road with a flat tire or other issue, it is important to understand what your auto insurance policy actually includes.
Liability Coverage
Liability coverage pays for the other party’s property damage and bodily injuries if you are at fault in an accident. This portion of your policy covers repairs to the other driver’s vehicle and their medical expenses. While liability coverage meets state minimum requirements, it does not include additional benefits such as roadside assistance.
Comprehensive and Collision Coverage
Collision coverage helps pay for damage to your vehicle and, in some cases, bodily injuries resulting from an accident, regardless of who is at fault. Comprehensive coverage applies to damage caused by non-collision events such as theft, vandalism, fire, or natural disasters.
Some insurance companies include roadside assistance with comprehensive and collision coverage, but this varies by carrier. An agent at THINK Insurance & Financial Services can review your policy and confirm whether roadside assistance is included.
Optional Add-On Coverage
Many insurance companies offer optional add-on coverages for an additional monthly cost. If roadside assistance is not included in your policy, you may be able to add it as a separate option. Other common add-ons include rental car reimbursement, which helps cover the cost of a rental vehicle after an accident.
Some insurers also offer glass coverage for damaged windshields, gap insurance to help cover the difference between your loan balance and your vehicle’s value after a total loss, and other optional protections.
Coverage options and roadside assistance availability vary by insurer. That is why it is important to speak with a professional at THINK Insurance & Financial Services. We can review your auto insurance policy and make sure you have roadside assistance and other coverage options when you need them most. Contact us today. We proudly serve the Pomona, CA area.
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