Which motor insurance add-ons do I need?

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Which motor insurance add-ons do I need?

There are several motor insurance add-ons that you may want to consider, depending on your needs and circumstances. Some common add-ons include:

  1. Roadside assistance: This provides coverage for towing and other services if your car breaks down or gets stuck on the road.
  2. Rental car coverage: This covers the cost of a rental car if your car is damaged in an accident or stolen.
  3. Gap insurance: This covers the difference between the value of your car and the amount you owe on your car loan if your car is totaled in an accident.
  4. Personal injury protection (PIP) or medical payments coverage: This covers medical expenses and lost wages for you and your passengers if you are injured in an accident, regardless of who was at fault.
  5. Uninsured/underinsured motorist coverage: This covers your medical expenses and lost wages if you are hit by a driver who does not have insurance or does not have enough insurance to cover your damages.

It's important to carefully consider which add-ons are right for you and your situation. You may want to speak with your insurance agent or broker to determine the best coverage options for your needs.

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