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If you own a vehicle, and you have (or are supposed to have) an auto insurance policy, this information applies to that policy. A standard auto insurance policy covers liability, damages and injuries you might cause to others in event of an accident, medical payments if you are injured in an accident, and physical damage if your vehicle is damaged in an accident. These are the basic coverages. There are of course additional coverages available, but these are the major coverages.

However, there are some additional coverages that are extremely helpful to have. These are added by endorsements, forms that modify the policy, and there is typically an additional premium charged for these coverages. For some insureds, these endorsements are an absolute necessity. Let’s look at a few.

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