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Gap and Extras guides
Accident forgiveness explainedAccident forgiveness stops your premium rising after a first at-fault accident. How GEICO, Progressive, Allstate, Liberty Mutual and others offer it.Classic and collector car insuranceHow classic car policies differ from regular auto insurance, what agreed value means, who qualifies, and the usage and storage rules to expect.Custom parts and equipment coverageWhy a standard policy pays little for lift kits, custom wheels, wraps or audio gear, and how custom parts and equipment coverage fills the gap.Gap insurance explainedGap insurance pays the difference between your car's value and what you owe if it's totaled or stolen. Who needs it, where to buy it, what it skips.High-net-worth auto insurance: what private client carriers addWhat private client auto insurers such as Chubb, PURE, Berkley One and AIG's Private Client Select add to a standard policy, and who they suit.Insuring a leased carWhat leasing companies require (collision, comprehensive, higher liability limits, gap), how the lessor is listed, and what happens in a total loss.New car replacement coverageNew car replacement pays for a brand-new car of the same make and model if yours is totaled, not its depreciated value. Rules, limits, alternatives.OEM parts endorsements: guaranteeing factory partsWhat an OEM parts endorsement changes in a repair, which cars qualify, what it does not guarantee, and how state parts laws already protect you.Rental reimbursement coverageHow rental reimbursement pays for a rental car while yours is repaired after a covered claim, the daily and total limits, and how much to buy.Roadside assistance coverage vs auto club membershipInsurer roadside add-ons cover your car; auto club memberships cover you. How towing limits, extras, cost and claims compare, and how to pick one.What happens if your car is totaled and you still owe moneyHow a total-loss payment is split with your lender, what happens when you owe more than the car is worth, and how gap and loan payoff coverage help.