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.

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.

If you’re a California driver, you must purchase auto insurance. Many drivers need assistance from an auto insurance agent. If you live near Pomona, CA, our team at THINK Insurance & Financial Services can help you choose the policy that’s best for you. We’ve been working with California drivers like you since 2007.

Do You Need Special Coverage When You Rent a Car?

You may wonder if your auto insurance policy will cover a rental car. According to Ramsey Solutions, standard auto insurance policies typically cover a rental car, as long as there is a clause in your current policy specifying car rental coverage. People who don’t own a car may not have auto insurance, so the rental agency can provide them with liability insurance for the time they drive the rental car.

There are some situations where you may want to buy additional car insurance for a rental car. If your current auto insurance doesn’t include comprehensive and collision coverage, it is wise to get insurance from the rental agency. Many people compare the liability coverage on their policy to the amount recommended by the rental agency. If your liability coverage isn’t high enough, it can be a good idea to purchase additional coverage.

Call Us for Your Appointment Today

Even safe drivers can be victims of accidents, so make sure you have the auto insurance you need. Our team at THINK Insurance & Financial Services will help you find the coverage you need at a price that fits your budget. Drivers from Pomona, CA, have learned they can bring us all their insurance questions. Call us today to schedule your appointment and ensure you’re covered when driving your car.