First of all, supplemental auto insurance payments aren’t payments that you need to make; rather they are payments that you are owed. These are payments the auto insurance company issues to you as part of your car insurance coverage when you file a claim. To further understand what these supplemental payments are for and why you would receive them, we should first review the basics of auto liability insurance.

Get car insurance quotes online today!

Auto Liability Insurance

Auto liability insurance is coverage for when you get into an accident and the insurance company agrees to pay for the damage to the other people’s property that were also involved in the wreck. This of course occurs when you are determined to be at-fault in the accident. This coverage also includes medical payments for any injuries that they may have been suffered. The auto insurance company pays for the damages and medical payments up to a pre-designated limit (which is stated in the policy).

Supplemental Payments

These are coverages that go beyond the basics of auto liability insurance. In fact, these are “extra” coverages that may be needed in the event of an accident. These supplemental payments could include:

•Expenses of first aid given to injured parties at the scene of the accident

•Up to $250 in bails bonds in the event of an accident

•Up to $50 a day for lost wages because of your required attendance at a trial or if the insurance has special requests that require your presence

•Any other expenses incurred by you as a result of requests made by your insurance company.

Please note that the dollar amounts given in the examples are only estimates. Be sure to review your auto insurance policy for exact details of what supplemental payments are included, and what the amounts may be. Then decide if it is worth it for you to purchase these extra coverages.

Get car insurance quotes online today!