Standard auto insurance provides essential protection for most drivers, but choosing additional policies (endorsements or add-ons), increases coverage when you need it most. Understanding how to reduce out-of-pocket costs and risks can help you feel peace of mind anytime you’re behind the wheel. If you’re located in or near Pasadena, CA, Reinas Insurance Agency Inc. can help you find additional add-ons that are right for you.
Uninsured and Underinsured Motorist Coverage
This coverage protects you if you’re hit by a driver who has little or no insurance to their name. It can also help pay for lost wages, medical expenses, and pain and suffering (depending on your location and existing policy).
Collision and Comprehensive Insurance
If you carry liability-only insurance, adding collision coverage can help pay for damage to your vehicle after an accident (that is your fault) or if you’re involved in a hit-and-run. Comprehensive insurance can protect against non-collision losses, such as animal strikes, fire, hail, theft, and even vandalism.
Medical Payments/Personal Injury Protection (PIP)
Medical payments, or PIP coverage can help pay medical bills for both you and your passengers, regardless of who is found at fault for a recent accident or collision. PIP may also cover rehabilitation costs, depending on state laws.
Roadside Assistance
This add-on to standard insurance helps with everyday issues such as dead batteries, towing, flat tires, and lockouts, but is not often included with traditional policies.
Understanding the benefits of additional auto insurance coverage for added protection is essential, whether you’re a traditional commuter, a collector of classic cars, or if you have a large family. If you’re thinking of adding endorsements or add-ons to existing auto insurance policies and you’re located in or near Pasadena, CA, we can help. For more information and for your quote and consultation, contact Reinas Insurance Agency Inc. today.
