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Ancillary coverages

Ancillary coverages help cover products associated with owning and operating a car. Some of these ancillary products include coverage for: 

  • Dent and Ding Repair: In the case of a shopping cart dent, or a minor run-in with the garage door, a baseball, and so on, products such as Dent and Ding Repair help cover the cost of fixing the dent on the body of the vehicle. 

  • Tire and Wheel: Many people mistakenly think the manufacturer's warranty covers the tires and wheels of their vehicle. However, when they get their first flat tire, they quickly learn otherwise. While roadside assistance offered by many car companies will assist with switching out the bad tire or towing the car to a repair shop, the actual cost of the repair or replacement comes right out of the owner's pocket – unless, of course, they've purchased tire and wheel coverage. 

  • Theft Protection: Car thieves continually devise new and sophisticated ways of stealing vehicles, such as acquiring access to smart keys, switching vehicle identification numbers and even stealing identities to secure loans for more expensive vehicles. Products to safeguard your vehicle include theft deterrents or vehicle recovery systems to prevent thieves from stealing your car. If they fail to prevent this from happening, coverage will be afforded to you for the cost of your primary insurance deductible, as well as help towards your new car costs. 

  • Windshield Chips and Cracks: Did you know a damaged windshield might also interfere with the airbag's performance and threaten your overall safety on the road? Even the smallest crack can lead to the destruction of a car's windshield over time. It's vital to repair a cracked or chipped windshield as soon as possible, and it's one of the coverages provided in the ancillary suite of products. 

  • Key/Key Fob Replacement: Almost all new automobiles come with key fobs, devices programmed to communicate with all the car's systems, including the ignition, doors and trunk. Many also include a panic button for emergencies. If lost or misplaced, these high-tech devices can be costly to replace. Some ancillary offerings will cover the cost of replacing the key fob. 

  • Appearance Protection: People want to keep their new vehicles looking as shiny and clean as the day they drove them off the car lot. However, outdoor factors like inclement weather, tree sap, bird droppings and other elements can damage the exterior. At the same time, discoloration from the sun's rays or food and beverage stains can ruin the interior. Ancillary appearance protection products can help preserve the pristineness of your new car, inside and out, and offer remedies to resolve the messes they fail to protect. 

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