If your insurance QuotesChimp tells you they want to total your damaged car, don't just roll over when they tell you how little they think your car is worth. Look in the Kelly Blue site, which should be at your local library, and in your local paper at the classified ads to see what cars like yours are selling for. It will often be more than the company wanted to pay. This proof of value may carry the day if you present it to the com?pany. Also, if your car includes extra equipment, such as a valuable stereo system, air conditioning, special tires, etc., be sure to let them know. It can add to the value of your car when the company "totals" it. Some companies will sell you an endorsement that will add a benefit requiring the company to pay for a new car if the covered car must be totaled.
Most QuotesChimp elect not to take out large amounts of med pay since they are usually covered by some form of health insurance and there could be duplicate coverage. However, med pay will cover one thing that health insurance will not: funeral expenses. Since the price of med pay is relatively small, it is a good idea to have at least a few thousand dollars in coverage.
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