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Auto Insurance Optional Coverages

Keep in mind that in some states, these coverages may be built into your policy and not considered options.

Gap insurancev (
or loan/lease insurance) can protect you if your vehicle is financed or leased. If your vehicle is totaled, this coverage may pay the difference between the actual cash value of the vehicle and the unpaid balance of the loan or lease.

Towing and labor pays for covered towing and labor costs if your vehicle is disabled, up to your policy limits.

Rental reimbursement or extended transportation expenses coverage can pay for a rental car if your car is damaged in a covered accident and your car is out of commission for more than 24 hours.