Common Auto Policy Gaps Drivers Shouldn’t Ignore 

Most drivers feel confident once they’ve purchased an auto insurance policy, but many are surprised to learn later that their coverage didn’t stretch as far as they expected. Certain protections that seem like they should be included often aren’t, and those gaps can lead to unexpected out-of-pocket costs. For drivers in Oak Lawn, IL, understanding these common coverage gaps can make a big difference when the unexpected happens.

The Risk of Underinsured Motorist Gaps

One of the most overlooked areas in auto insurance is underinsured motorist coverage. Even though most states require drivers to carry liability insurance, not everyone carries enough. If you’re hit by someone whose policy limits can’t cover your medical bills or vehicle damage, you could be left paying the difference.

Underinsured motorist coverage helps fill that gap. It steps in when the at-fault driver’s insurance runs out, protecting you and your passengers from financial strain. Without it, a serious accident could leave you responsible for thousands of dollars in expenses, even when you weren’t at fault.

Why Rental Reimbursement Matters

Many drivers assume their policy automatically covers the cost of a rental car after an accident. In reality, rental reimbursement is usually an optional add-on.

Rental reimbursement coverage helps pay for a temporary vehicle so you can keep up with work, school and daily responsibilities. Repairs can take days or even weeks, especially when parts are delayed. This coverage ensures you’re not stuck without transportation during that time.

The Value of Roadside Assistance

Roadside assistance is another coverage that’s often missing from basic auto policies. It may seem like a small detail until you’re stranded with a dead battery, flat tire or empty gas tank. Towing costs alone can be surprisingly high, especially if you’re far from home.

Adding roadside assistance to your policy gives you access to help when you need it most.

How To Close the Gaps in Your Policy

The best way to avoid unpleasant surprises is to review your policy regularly. What worked for you a few years ago may not be enough today.

Working with a knowledgeable agent makes the process easier. Hanway Insurance can help you identify potential gaps, explain your options and tailor your coverage to fit your needs and budget. A quick review now can save you from major headaches later.

For more information or to request a personalized quote, contact Hanway Insurance today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.