This coverage will reimburse you for the cost of renting a vehicle if your auto is withdrawn from use for longer than 24 hours and the withdrawal is caused by a collision or a comprehensive loss as defined in your policy. Ask your company or agent how much per day the coverage will pay and the maximum number of days it will cover.
Medical expense benefits coverage pays the medical and funeral expenses for you or others injured or killed in an accident while riding in or driving your auto. This includes all reasonable hospital, surgical, rehabilitative, chiropractic, x-ray, dental, professional nursing, prosthetic and funeral expenses. It also may cover you or members of your family if you are struck by an auto while walking or riding in another auto. You may not need this coverage if you have health insurance. However, it also may pay for injuries to your passengers.
You may need liability insurance above the required amount depending on how much you have to lose. If you have purchased $50,000 of insurance and there is a $100,000 claim or judgment against you, you personally will be responsible for the remaining $50,000 in damages that you or another driver in your auto caused. To reduce this exposure you can purchase more than the minimum limits required by law. You also should consider buying higher property damage insurance limits than are required by law due to the increasing costs of new automobiles and auto repair work.
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