What car insurance do people regret not paying for?

When it comes to car insurance, many drivers focus on monthly premiums and overlook what really matters: the ability to recover quickly after a loss. It is often not until after an accident that policy gaps become clear. Certain coverages, though not required, are commonly missed and widely regretted.
One of the most frequently overlooked coverages is rental reimbursement. If your car is in the shop after an accident, this add-on helps cover the cost of a rental vehicle. Without it, drivers may be left scrambling for transportation—especially in areas without reliable public transit. The daily rental expense, often $40 to $70 per day, can add up quickly if repairs take weeks.
Many drivers only realize they need certain coverages when it’s already too late.
Collision coverage is another type often skipped, particularly by owners of older vehicles. However, the value of collision protection is not just about the car’s age. It is about the cost of repairs and the potential for out-of-pocket expenses. Even a minor accident can lead to significant repair bills that basic liability insurance will not cover.
Liability limits also deserve closer attention. State minimums often fall short when medical bills or legal claims arise. If you are found at fault in an accident and your liability coverage is insufficient, you could be personally responsible for the difference. Updating these limits to reflect today’s legal and medical costs is a proactive move that many wish they had made sooner.
Comprehensive coverage, while optional, is also valuable. It protects against theft, vandalism, weather damage, and other non-collision incidents. Without it, unexpected losses like hail or break-ins are not covered.
Ultimately, the most important question is not what coverage costs today, but whether your policy can keep you mobile and protected when life takes an unexpected turn.