Comprehensive coverage isn’t the only insurance that will compensate you for damages from a natural disaster. If it’s in your budget, we recommend these supplemental coverages:
Rental Car Coverage
If you are car-dependent and have no carpooling or public transportation options, you’ll want to add rental car coverage, which will pay for a rental car while your car is being repaired under a covered claim.
Some comprehensive coverage includes coverage for glass, while windshield coverage is supplemental with others. Windshield coverage includes not only windshields, but sunroofs, rear, and side windows.
Medical Payments Coverage
Medical payments coverage is necessary if you become injured from a car accident and need to pay for rehabilitation treatment or hospital fees — especially if you don’t have health insurance or your health insurance has a high deductible. It would also cover lost wages or funeral costs.
Say the damage was so bad that your car was declared a total loss. In that case, you’d be reimbursed for your car’s AMV – its value if you sold it tomorrow. Your AMV will most likely be less than what you paid for the car originally due to depreciation. Gap coverage would ensure you get back what you still owe on the car, not its current worth.
Optional Basic Economic Loss (OBEL)
For the most protection, you can opt to add Optional Basic Economic Loss (OBEL) of $25,00 to $50,000, which you can apply to physical therapy, income loss and rehab, among other costs4.
Custom Equipment Coverage
Standard car insurance only applies to the car’s original equipment. If you added any electronics, navigations, or custom equipment, comprehensive coverage won’t reimburse you for it. Instead, you’ll need custom equipment coverage.