Additional insurance to protect what matters most to you.
Everyone knows that auto insurance is mandatory for all drivers. But did you know there are extra ways you can protect yourself beyond the standard plans? From coverage of transportation costs when you don’t have your vehicle, to safeguarding your premium and driving rating after you have an accident, there are ways to tailor your auto insurance to your needs.
Optional Coverage Options
Loss of use.
When you depend on your vehicle to get places, not having it available can really throw off your schedule. Loss of use helps keep you moving by covering costs like rental cars, taxis or public transit, if your insured vehicle car has been stolen or is in the shop for repairs. Choose from coverage options from $900 up to $3000 – this can be very handy if you’re waiting for replacement parts or extensive repair work to be done.
Liability for damage to non-owned vehicles.
Know that you’re protected even if you don’t own the vehicle you’re driving. If you’ve leased, rented or borrowed a vehicle with the owner’s permission, you’ll be covered if that vehicle gets damaged during personal use. That means not having to buy extra insurance at the rental car counter!
Replacement cost coverage.
Vehicle prices typically rise over time. If something was to happen to yours, it would cost you more to replace it. This optional coverage ensures you get the replacement cost of your new or demo vehicle if any loss or damage occurs within 60 months of when you bought it. Have a motorhome? It would be covered for up to 24 months from your purchase date.
Limited waiver of depreciation.
Accidents can happen to even the best drivers. If you got into a fender bender with your owned or leased vehicle, this coverage waives your car’s depreciation if the loss or damage occurs within 60 months of the delivery date. This waiver can also be applied to a purchased vehicle – including motorhomes and demo vehicles bought within 12 months.
Please review your insurance policy carefully for the full description of any additional insurance so you know exactly what your coverage includes.
Forgive and Forget® rewards safe drivers.
Nobody plans to get into an accident. But unfortunately, they can happen. If you’re a safe driver who just had their first at-fault accident, relax. Forgive and Forget protects your good driving record and keeps your CAA Insurance premium from going up as a result of the accident.
