Question: Can you tell me what company offers the best auto insurance accident protection? I do not want to have to pay for anything, including a rental car, in case I am in an accident.

Answer: Auto insurance accident protection, or comprehensive auto insurance, can be purchased from any of the companies that are licensed to write insurance policies in your state. Even with comprehensive insurance there are certain things your policy will not cover.

For instance if items are stolen from your car comprehensive insurance will not usually reimburse you for their value. If your GPS is stolen even the best auto insurance will not usually cover this. If the agent tells you the policy he is trying to sell you covers  then ask him to point out where it says that in the policy.

The only way to be certain everything you would like to be covered is in the policy you are considering is to have the agent put it in the contract and then explain exactly how you are covered. For instance you will want to make sure that the company will cover your rental car expenses for the entire time your car is being repaired.  Some policies only cover the rental car for a week. If tehe shop has your car for longer than that you are out of luck.

When shopping for an auto insurance accident protection plan be sure you shop around and get the best quotes you can before making a final decision. Good luck on your search for the best auto insurance accident program you qualify for.