Re-posted on 6/30/18

If you’re involved in a collision in which your car sustains extensive damage or is even totaled, you may be without a vehicle for days or even weeks. If you’re like most people, then that just isn’t going to work for you. Fortunately, your insurer provides you with a few different options that can tide you over until your car is repaired or you’re able to purchase a new vehicle.

One type of additional coverage that can be added to your policy is rental reimbursement. This coverage would reimburse you for either your daily rental charges or your policy limit, whichever is less. It can be used after any covered collision or comprehensive loss (assuming you carry collision and comprehensive coverage).

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K4 and K5 coverage can also help with post-accident “loss-of-use” costs. K4 coverage pays $25 a day up to $500 for extra expenses after a covered collision or comprehensive loss. K5 coverage pays out $50 a day up to $1,000 to cover accident-related expenses. If you’re more than 50 miles from home, the coverage will pay up to $500 to transport your vehicle either to your home or your destination. This type of coverage can be used for expenses like rentals, hotel bills, and meals.

Wondering which type of additional coverage is right for you? Your insurance agent can help you weigh your options and choose the one that is best for your needs and lifestyle.

Read More: Auto Insurance in Las Vegas, Nevada

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