Car accidents happen, so it’s always best to be prepared for the worst. You may think you have enough insurance coverage, but adding a few key items to your policy can really make a difference after an accident.

Here are some items to consider adding:.

1. Comprehensive Coverage

Comprehensive coverage is an optional type of coverage that covers damage caused to your vehicle that isn’t the result of a collision. This can include things like theft, vandalism, or weather-related damage.

Adding comprehensive coverage can give you peace of mind and protect you financially if your car is damaged outside of a collision.

2. Gap Insurance

If you owe more on your car than it’s worth, gap insurance can be a lifesaver. Gap insurance covers the difference between what your car is worth and what you owe on it.

This is particularly useful if your car is totaled or stolen, as the insurance payout may not be enough to cover the remaining balance on your car loan.

3. Uninsured/Underinsured Motorist Coverage

If you’re in an accident with someone who doesn’t have enough insurance, it can be difficult to get financial compensation for your losses. That’s where uninsured/underinsured motorist coverage comes in.

This coverage can help pay for your medical expenses and other damages if you’re in an accident with an uninsured or underinsured driver.

4. Roadside Assistance

Breaking down on the side of the road can be scary and frustrating. Adding roadside assistance to your insurance policy can give you peace of mind and help you get back on the road quickly.

Roadside assistance typically includes services like towing, jump-starts, and lockout assistance.

5. Rental Car Coverage

If you’re in an accident and your car needs repairs, you may be without a vehicle for a few days or even weeks.

Rental car coverage can help cover the cost of a rental car while your car is being repaired, so you don’t have to worry about transportation.

6. Full Glass Coverage

If you have a crack or chip in your windshield, getting it fixed can be expensive. Full glass coverage can help cover the cost of glass repairs and replacements, so you don’t have to pay out of pocket.

7. Personal Injury Protection

Personal injury protection (PIP) is a type of insurance coverage that pays for medical expenses and lost wages if you’re injured in an accident.

This coverage is particularly useful if you’re in an accident and can’t work for a period of time.

8. Enhanced Liability Coverage

Liability coverage is required by law, but many people opt for the minimum coverage required. Adding enhanced liability coverage can give you added protection in case you’re found at fault in an accident and the damages exceed your policy limits.

9. Umbrella Insurance

Umbrella insurance is an additional layer of liability insurance that can provide extra protection above and beyond your other policies. If you have significant assets or a high risk of being sued, umbrella insurance can give you added peace of mind.

10. Electronic Equipment Coverage

If you have expensive electronic equipment, like a sound system or navigation system, adding electronic equipment coverage to your policy can protect you if they’re stolen or damaged in an accident.

Adding these items to your insurance policy can provide added protection and peace of mind after an accident. Talk to your insurance agent to find out which options are right for you.