Depending on your insurer, other options typically include collision/comprehensive coverage, medical payments coverage (medpay), rental car, road side assistance, wage replacement, etc. Depending in the value of your vehicle, collision/comprehensive coverage may or may not be necessary. This coverage will pay for repairs to your car or for its total loss if you cause the damage or no one causes the damage, like a deer in the road or hail. If you own an older, less valuable vehicle debt-free, it may not be worth the premium. If however you still owe money on the vehicle or do not feel comfortable with the idea of having to pay for damage on your own, you could consider this coverage.
Medical payments coverage is also a coverage to consider. It will help pay for medical bills you and your passengers incur as a result of an accident, regardless of who was at fault. If you have health insurance and won’t forego medical care just because of the deductible or co-pays, medpay may not be necessary. However, if you have no health insurance or have a high-deductible plan, this coverage is relatively inexpensive and is a good safety net. Lastly, other coverages like road side assistance and wage replacement oftentimes go unused, and many of you may already being paying for the same coverage somewhere else, like a disability plan at work or as a AAA member. For that reason, we often encourage our clients to consider putting that money towards better UM coverage.
