What Is Auto Supplemental Insurance?

​Do you have auto supplemental insurance? It kicks in when your primary policy's limits are reached. It can save you from financial disaster if you're involved in an accident. Here we'll explain how it protects you.

Common Types of Auto Supplemental Insurance
Motorists and bike riders are both people who need extended coverage because of the different risks they are exposed to on the road. Operating on only liability coverage leaves you to bear the full brunt of repairing your damaged vehicle in the event of a collision. 

Liability coverage has its benefits, but there are other coverages you can get that will ensure your maximum safety on the road and save your finances.

Here is a detailed list of some auto supplemental insurance coverages you can get after consulting with your insurance agent and vetting your specific road needs:

1. Personal Injury Protection
   Any injuries you get that require immediate medical attention due to a collision on the road will be covered by this type of auto insurance, extending to your passengers.
   
   In this situation, knowing who caused the accident does not matter and if you have no active health insurance plan, purchasing this coverage helps with some costs.
   
   
2. Non-Owner Auto Insurance
   Non-owner auto insurance is perfect for those who do not own a personal car but drive rental cars. The coverage extends to not only the driver in the rental car but damages to other drivers on the road, their cars, passengers, and pedestrians.
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3. Underinsured/Uninsured Motorist
   Motorists running on an inadequate standard auto insurance policy or those with none will find underinsured/uninsured motorist coverage helpful. 
   
   It is an insurance policy for those who buy minimum liability coverage and can not afford to pay medical bills for injuries sustained from an accident. These motorists face much greater risks on the road from different unfortunate events, which is why this coverage will come in handy.

Why You Should Get Auto Supplemental Insurance
It would be best if you got supplemental auto insurance because having only liability coverage is not enough for someone who drives daily. The damages caused to your car in a collision, injuries you sustain, vandalism acts, theft and natural disaster wrecks that cost a great deal to be repaired and treated are enough reasons to seek more auto coverage.

Conclusion
Motorists' collisions and other risks on the road are usually not predictable, so when you are not adequately insured and low on funds, it is hardly the right time for such an unfortunate event. Additional auto insurance helps pay for these damages, which could put a financial strain on your pocket, so it is wise to purchase a policy as soon as you can!

At McClain Matthews Insurance, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (317) 298-7500. Get your free quote today by CLICKING HERE. Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!