Did you know that in addition to one-way or two-way coverage, several forms of additional coverage can be added to your auto insurance policy? Frequently misunderstood and very often disregarded, such additional coverage is interesting to consider especially if you are looking to have total peace of mind when you\u2019re behind the wheel. Our broker will describe endorsements that can be added, including travel expenses, accident benefits insurance, and roadside assistance.<\/p>\n
Why? <\/strong>Endorsement\u00a020A can be used to obtain a rental car in the event of a claim. Following a loss covered by the policy, the insurer will cover the travel costs of the insured. Generally, this allows the insured to lease a temporary replacement vehicle. Besides a replacement vehicle, the insurer may also reimburse other travel costs, including public transportation expenses or taxicab fares.<\/p>\n Details: <\/strong>For the coverage to be added to the policy or to be eligible, the insured must have full coverage that includes Section\u00a0B, which is divided into four parts:<\/p>\n Note that certain insurers do not require the insured to hold Section\u00a0B1 or B2 coverage to be eligible. If you have any questions about this, contact your Lareau broker<\/a>.<\/p>\n Limits: <\/strong>This coverage has limits. They are all found in the declarations section of the insurance policy. It is also important to know that indemnification usually has two limits: an amount allocated to the claimant for each day a vehicle is rented and a total limit per loss that cannot be surpassed. As these limits may vary based on the insurer, this must all be confirmed with your broker.<\/p>\n Why? <\/strong>Endorsement\u00a027 is used for insureds who wish to be covered when using the vehicles of others\u2014at least in the same way in which they are insured for their own vehicle.<\/p>\n Details: <\/strong>Here are some clarifications about this coverage in the event of a claim.<\/p>\n Limits:<\/strong> The insurer will only intervene if the main policy does not cover the claim. In other words, this means that if the owner of the vehicle that you are driving only has partial coverage, you can ask your insurer to compensate the owner for the damage that is not covered by the owner\u2019s insurance.<\/p>\n Once again, the same conditions as your policy and a limit also apply. It will be listed in the declarations section of your insurance policy. It is therefore important to verify whether this limit is the right amount for you.<\/p>\n Why? <\/strong>Endorsement\u00a034 provides compensation in the event of bodily injury to one of the insureds when an accident related to an automobile occurs. The coverage will compensate the named insured, said person\u2019s spouse, as well as any of their dependent children following bodily injury resulting solely from an accident.<\/p>\n Details:<\/strong> This coverage will be added to the civil liability coverage and does not require Section\u00a0B coverage in order to be available to the insured.<\/p>\n Limits:<\/strong> Once again, the limit of this coverage can be adjusted to meet the needs of the insureds.<\/p>\n Other coverage may also be available, including the following types:<\/p>\n In short, no matter which types of coverage seem interesting to you, you can speak to your Lareau broker to learn more about the available options. The ultimate goal of these types of coverage is to provide you with complete peace of mind when you\u2019re on the road. Contact your Lareau broker<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" Did you know that in addition to one-way or two-way coverage, several forms of additional coverage can be added to your auto insurance policy? Frequently misunderstood and very often disregarded, such additional coverage is interesting to consider especially if you are looking to have total peace of mind when you\u2019re behind the wheel. Our broker […]<\/p>\n","protected":false},"author":23,"featured_media":2333,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[33],"tags":[],"class_list":["post-2332","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-auto","sector-auto"],"acf":[],"_links":{"self":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2332","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/users\/23"}],"replies":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/comments?post=2332"}],"version-history":[{"count":0,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/posts\/2332\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media\/2333"}],"wp:attachment":[{"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/media?parent=2332"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/categories?post=2332"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/lareau.ca\/en\/wp-json\/wp\/v2\/tags?post=2332"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}\n
2. Endorsement 27\u2014Civil liability resulting from damage caused to vehicles of which the named insured is not the owner<\/strong><\/span><\/h3>\n
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3. Endorsement 34\u2014Accident benefits insurance<\/strong><\/span><\/h3>\n
4. Other coverage of interest that can be added<\/strong><\/span><\/h3>\n
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