to consider custom parts and equipment coverage . This covers things like electronics, engine parts, and custom aesthetic features such as a spoiler. Rental reimbursement coverage is an option that pays for a rental car while yours is getting repaired after damage. (It doesn’t cover a rental car for normal maintenance or fixes or if you rent a car solely for travel purposes.) This coverage has two kinds of limits: per day and per accident. It lets you get a car similar to yours, but if your car is going to be in the shop for a while, ask for a car that costs less so you won’t have to worry about exceeding that per-accident limit. It’s important to note that rental reimbursement does not cover your rental
HORROR STORY: WITHOUT HER WHEELS Ann was hit head-on by Caden, who was texting at the time. Ann broke over two dozen bones, and her new van and her wheelchair in it were both in horrible shape. Caden was uninsured, and Ann quickly discovered that while she had insurance, it didn’t cover all the repairs her van needed. It also didn’t cover her wheelchair at all. This means not only was she on the hook to pay for a car she couldn’t drive, she had to figure out a way to pay for a replacement wheelchair, which cost about $30,000. So now you’ve got two horror stories showing the importance of UM and UIM insurance — are you convinced yet? Just remember that if you have other equipment you regularly keep in your car, you want to make sure that’s covered, too. If you have comprehensive insurance, it may be covered, but it’s obviously important to make sure—and to get different or additional coverage, when necessary.
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