Anyone with a vehicle knows the importance of having proper auto insurance coverage. You cannot operate a vehicle legally without it in place. While you might think all auto insurance is the same, that isn't the case. There are a lot of components to an auto insurance policy. You need to know what it is that you are getting to avoid any unexpected surprises when you go to make a claim. To make sure you get what you need in your insurance policy, here are three things you need to know.

Rental Car Coverage, Towing and Emergency Service

While you might not think you need to worry about rental car coverage or towing, you never can predict when you are going to be left stranded on the side of the road or involved in an accident. Having these coverages on your policy can be a lifesaver. The towing will cover the cost of getting your vehicle towed to the nearest repair facility, while the rental car coverage will make sure you have something to drive while your vehicle is being repaired from the accident.

Deductibles

You need to know what your deductibles are for both comprehensive and collision claims. If your windshield is broken because of a large stone or bird flying into it, you don't want a deductible that is so expensive you are left paying for the total cost of repairs out of your own pocket. Many companies have special deductibles for windshield claims. Make sure to ask about this.

Wage Loss Coverage

If you are in an accident and unable to work, you want to make sure you are compensated for your lost wages while you recover. Many insurance companies have an add-ons that covers your lost wages. You can opt to have a $0 deductible or $300 deductible, the choice is yours. Deductibles vary by insurance company, so you need to know what yours is and whether you have it on your policy or not.

In knowing the answers to the above questions, you can make any adjustments needed to your policy before an accident occurs. Not only will this save you a lot of time and hassle along the way, but it will make the claims process less stressful because you will know that you are covered. If you are ever in doubt over whether something is included on your policy or not, discuss your concerns with your auto insurance agent.