Your Roadmap to All Things Auto

Here are a few tips and common myths about the wonderful world of car insurance, from basic maintenance to collision coverage and beyond.

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If you have a young child, keep a copy of your car seat manufacturer’s instructions manual.

If you are in an accident and the other driver was at-fault, you can include the damages to the car seat in your property damage liability claim.

Do you own a pet? Consider extending your car insurance coverage to them if they take joy rides with you.

Collision coverage would cover your pet’s vet expenses if it’s stated in your policy.

Always call the police and file a report after an accident.

Without a police report, it’s very difficult to prove who caused the accident, and you don’t want to end up in a “he said/she said” debacle. Stay at the scene, call 911 and wait for help to arrive.

Write down when you need to get your first (or next) oil change.

For new cars, this is usually between 5,000 and 10,000 miles, depending on what kind of car you drive and the type of oil you use. Your engine will last longer if you keep up with oil changes!

Don’t dismiss rental car insurance just because you already have car insurance.

Renting a car can sometimes be a lengthy and messy process, and having insurance may make it go more smoothly. If you have liability coverage, you can simply buy the physical damage waiver since your regular policy covers this.

True or False?
Car insurance can cover car seat replacement.
Sorry, the correct answer is False.

If you have collision coverage, your insurance will replace a car seat involved in an accident. If you do not have collision coverage, you will be expected to pay the costs of the claim out-of-pocket, so it is crucial that you have this coverage. Source

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Car insurance can cover loss of income.
Sorry, the correct answer is False.

If you’re unable to work after you’re in a car accident, loss of income coverage may cover part of your wages, up to your policy limits. With Alfa®, loss of income coverage pays 85% of your monthly income, up to $750 per month for up to one year after the date of the accident due to continuous total disability (for you, your spouse, family member or any other person occupying your car). Source

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You should promptly apologize to the other driver when in an accident, especially if you don’t know whose fault it was.
Sorry, the correct answer is False.

As difficult as it may be, try not to make emotional statements such as, “I’m so sorry this happened.” These words can be taken out of context and used against you as an admission of guilt. You don’t want to accept any liability for the accident if you are not at fault. Source

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Car insurance can cover luggage and clothing replacement.
Sorry, the correct answer is False.

After a car accident, you’ll have enough to worry about - paying to replace the items that were inside of your car is an added worry. Thankfully, if your luggage and clothing is lost or damaged in a car accident, you may have coverage, up to the policy limits. Alfa® covers this up to $500. Source

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If you are in an accident and can’t drive your car, car insurance will automatically pay for a rental car.
Sorry, the correct answer is False.

You should consider adding Loss of Use coverage to your policy. Loss of Use coverage will provide transportation to you when you have been in a covered accident and are unable to use your vehicle. Whether you take a taxi, a bus, or rent a car while yours is being fixed, Loss of Use coverage can help you not miss a beat. Your agent can help you determine how much Loss of Use coverage you need to keep your daily life from being interrupted after being in a covered accident. Source

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