3 Simple Auto Insurance Add-ons and 12 Simple Items to Help You in Accident, Emergency, or Breakdown : Catherine Giles, An Independent Insurance Agent, Blog
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Catherine Giles, Independent Insurance Agent

3 Simple Auto Insurance Add-ons and 12 Simple Items to Help You in Accident, Emergency, or Breakdown

by Catherine Giles on 09/19/15

 

 

     We should all prepare for the unexpected in life; with our finances, with our homes, and with our autos. Some simple auto insurance add-on coverage can help you with the unexpected, such as having towing/roadside assistance, auto rental reimbursement, and mechanical breakdown coverage, added to your auto policy, if available for your type of auto policy. These coverages are usually inexpensive and can save you time and out-of-pocket expenses when life happens. For a free consultation, policy review, and competitive quotes for auto coverage, please feel free to contact me at: 940-597-4757 or [email protected]

     Some suggestions for simple items you can keep in your vehicle to prepare for the unexpected can also help protect you or someone else.


1.  Fire Extinguisher Safely Secured Under Your Car Seat or in Your Trunk

     When you’re in an accident, or even if you’re not, and there’s a small fire, having quick access to a fire extinguisher can help stop your car, or something else, from turning into a true disaster. If a five-pound fire extinguisher, or smaller, can be safely secured under your car seat, such as with a strap and clip to your car seat’s frame, it can be at an arm’s reach and available when needed. Having one securely strapped under your car seat can help lessen the chance of it becoming a projectile during an auto accident. If a fire extinguisher cannot safely be secured under your car seat, consider keeping on safely secured in your trunk.


2.  Window Shattering Tool/Seatbelt Cutter in Your Glove Compartment or Safely Secured Under Your Car Seat

     When you need to exit your vehicle immediately and can’t open your seatbelt, have access to exiting through doors, using power windows, or manually rolling down windows, having a window shattering/seatbelt cutting tool in your glove compartment, if it will fit, or safely secured with a strap and clip under your car seat can give you quick access to breaking a window, if necessary, to exit your vehicle. It can help you to save valuable time in such cases as having an accident and having your vehicle land in a creek, lake, or other body of water, for example.


3.  First Aid Kit and First Aid Manual in Your Glove Compartment or Safely Secured Under Your Car Seat

     When you’re in an accident or have a medical emergency, having quick access to a First Aid Kit and a First Aid Manual in your glove compartment, if it will fit, or safely secured with a strap and clip under your car seat, is vital. Slowing down or stopping bleeding, as one example, may help prevent a person from going into shock or may help prevent one from bleeding to death.

 
4.  Blanket in Your Trunk

     Even if the weather is nice, having a blanket in your truck can help you or someone else keep covered or warm in an accident, medical emergency, or during an extended stay in your vehicle.


5.   Fully Charged Cell Phone, if You Have One, with Auto Adapter Charger

     Having a fully charged cell phone, if you have one, with a charger adapter for either your car’s cigarette lighter or a USB port, if you have one, can make getting help faster and easier, particularly if you need to call 911 for an emergency, to call your insurance carrier for roadside assistance or towing, or call a loved one in an emergency. Make sure you are not operating your vehicle and are in a safe area if you need to make a call. Auto adapters are usually about $20 or less and can help you stay in touch during an emergency or the unexpected.


6.  Owner’s Manual in your Glove Compartment

     The Owner’s Manual provides useful information that can help get you back on the road, such as detailed images of how to change a tire, etc., if you don’t have roadside assistance added to your auto policy.


7.   Flashlight (and Extra Batteries) in your Glove Compartment 

     A flashlight and extra batteries in your glove compartment is essential at night to see and to be seen when the unexpected happens.

 
8.  Road Flares in Your Trunk

     Road flares in your truck are invaluable, especially at night, so that others can see you if you need help or if you need to exit your vehicle, such as to change a tire, etc., if you don’t have towing/roadside assistance or mechanical breakdown coverage.


9.  Two Cans of Fix-a-Flat in Your Trunk

      If your tire has a rapid leak, Fix-a-flat can often provide just enough help for you to get to a tire repair station. If your tire is flat, it can often provide just enough help for you to get to a tire repair or tire sales business. Having two cans on hand can help you, if you run over an object with both your front and back tires, for example.


10.  Tire Gauge in Your Glove Compartment

     Having a tire gauge is essential for helping you to keep your tires fully inflated, and it is essential for preventive maintenance. Keeping your tires fully inflated at the proper air levels indicated in your Owner’s Manual can not only improve your gas mileage, but can help you reduce your risk of tire blow-outs. To verify how much air your tires require, consult your Owner’s Manual.


11.  Booster (Or Jumper) Cables in Your Trunk

      If you don’t have roadside assistance, having jumper cables in your trunk can help you get your car started when it has a dead battery (if a Good Samaritan comes along). Having a set of jumper cables on hand can also enable you to help someone out if they have a dead battery.


12.  Bottled Water and High Energy Snacks in Your Trunk

     Having bottled water and high energy snacks in your trunk can help you if you are in your car for an extended period of time due to an accident, mechanical breakdown, etc.


      Having some simple auto insurance add-on coverage, such as towing/roadside assistance, auto rental reimbursement, and mechanical breakdown coverage, added to your auto policy, if available for your type of auto policy, can help you prepare for the unexpected and can help you save out-of-pocket expenses. Also having these 12 suggested items on-hand in your car can help you in a time of accident, emergency, or mechanical break-down. For a free consultation, policy review, and competitive quotes for auto coverage, please feel free to contact me at: 940-597-4757 or
[email protected].

 

 

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