Although they will add to your premium, supplemental auto insurance policies may save you a significant amount of money in the event of a car accident. There are several different types of supplemental insurance available to drivers, including:

• Rental Reimbursement: This kind of coverage pays for a rental car in the event that your vehicle is damaged or stolen.


• Towing and Labor Coverage: This kind of coverage pays for the fees incurred due to a vehicle breaking down on the road.


• Gap Coverage: If you have a new vehicle and it is totaled in an accident, this kind of coverage pays for the difference between the actual cash value of your car and the amount left on your car loan.


• Pet Injury Coverage: Many people drive around with their pets in the car. If you have pet injury coverage, your insurance company will pay up to a certain amount for the animal's vet bills and medication if your pet is injured in a car accident.


• Non-Owned Auto Insurance: This type of supplemental auto insurance is usually obtained by people who rent cars on a regular basis. It provides coverage if you are in an accident that causes damage to someone else’s vehicle, to that car's passengers, or to pedestrians in the street while driving a rental car.