Hidden benefits of car insurance

Automobile insurance policyholders don't need to worry if they purchase a new vehicle and forget to notify their insurance company right away. Car insurance typically provides 30 days of coverage for newly acquired vehicles.

That and many other less obvious benefits typically are included in auto insurance policies.

Others include benefits ranging from limited reimbursement for transportation if you can't reach your destination because of a crash to paying for windshield repair. These items are included with most car insurance policies.

"Most drivers figure that car insurance pays for auto crash injuries, repair of cars damaged in crashes, and for vehicles that are stolen," said Bernie Schick, a Nationwide Insurance director in charge of product development.

"But car insurance -- especially full coverage -- pays for a wide range of services. The purpose is to try to get the policyholder, and others affected in car crashes, back to normal as soon as possible," Schick added.

Coverage also is extended to others who drive the insured car.

For example, relatives who live with the insured and drive the insured's car, with or without permission, are covered. So are others who have permission to drive the car.

Other benefits of car insurance:

The deductible for collision coverage is waived when the crash involves two cars insured by the same company.
Payment for a chipped windshield that's repaired instead of replaced; the deductible may also be waived.
Payment up to a specified amount for wages lost during court testimony regarding a crash.
Stereo equipment damaged in a crash may be covered up to a specified amount if the primary control unit is installed in areas specified by the insurance company.
Payment for travel expenses up to a specified amount when a car is damaged or stolen.
Insurance companies may have a waiting period before this benefit can be received.
Coverage for personal effects damaged in a crash such as clothing and luggage, up to a specified amount.
Bail bond premiums for traffic-related violations.
Policyholders are advised to read their insurance policies or seek information from company representatives for specific amounts and terms of coverages.

Posted: Wednesday, February 28, 2001 12:00:00 AM. Modified: Friday, August 05, 2005 2:38:59 PM.

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