Reader’s Question:

I have liability insurance right now and I was just wondering if I need other coverage other than the minimum required.

Gene

Chicago IL

There are other car insurance coverage that insurance companies may add on top of the minimum requirements. These are:

Collision coverage that pays for damages made on your own car due to collision with either by a negligent driver or by your reckless driving.

Comprehensive coverage covers for non-collision damages made to your car.

Uninsured/underinsured motorist coverage that pays you in case the negligent driver has insufficient insurance or none at all.

Medical payments covers you for medical bills that you and your passengers incur due to the accident.

Rental reimbursement covers for car rental expenses that you incur in case your own car breaks down while you were driving.