When you’re shopping for car insurance coverage, it’s important to understand what car insurance coverage you want and what you’re required to buy. For instance, most states require a minimum amount of car insurance to drive a vehicle. Alternatively, if you want extra protection, you may be interested in full coverage insurance. Read about the most common types of car insurance coverage to see how they work.
American Family offers a standard suite of auto insurance coverage types plus a few additional options, including these:
Gap insurance will pay out if your car is totaled and it is leased or has a loan balance. Without this coverage, you would receive only the depreciated value of the car minus any deductible — leaving you to pay off the rest.
Accidental death and dismemberment coverage pays out if a car accident causes death or certain injuries, regardless of who’s at fault.
Ridesharing insurance is available for customers who drive for services such as Uber or Lyft, but not in every state. It can be added to your personal auto policy and fills a coverage gap while you’re waiting for customers, so you’re fully insured the entire time the app is on.
Original equipment manufacturer coverage pays for your vehicle to be repaired with parts made by your car’s manufacturer rather than aftermarket parts.
Accident forgiveness coverage can be purchased to ensure your premium won’t go up if you’re at fault for a wreck. You are eligible to purchase accident forgiveness if you haven’t had an at-fault accident or violation in the past year and you haven’t had more than one at-fault accident in the past three years. (Note that you can earn accident forgiveness for free if you go five years without a claim.)