Question
Which auto insurance coverage is not needed if your vehicle is still under the factory warranty? property damage liability comprehensi ve physical damage towing and emergency road service uninsured and underinsured motorist
Answer
4.5
(238 Votes)
Victor
Elite · Tutor for 8 years
Answer
3. Towing and emergency road service
Explanation
To determine which auto insurance coverage is not needed if a vehicle is still under the factory warranty, it's important to understand what each type of coverage entails:1. Property Damage Liability: This coverage helps pay for damages you may cause to someone else's property with your vehicle. It is a legal requirement in most states.2. Comprehensive Physical Damage: This coverage protects against damage to your vehicle that is not caused by a collision. It typically covers events like theft, vandalism, and natural disasters.3. Towing and Emergency Road Service: This coverage provides assistance for towing and roadside emergencies, such as a flat tire or dead battery.4. Uninsured and Underinsured Motorist: This coverage protects you if you're in an accident with a driver who either doesn't have insurance or doesn't have enough insurance.A factory warranty typically covers defects and issues related to the manufacturing and workmanship of the vehicle. It often includes coverage for mechanical breakdowns and sometimes offers roadside assistance. Given this, the auto insurance coverage that overlaps with what is typically covered by a factory warranty is "Towing and Emergency Road Service." The factory warranty may already provide similar benefits, making this specific insurance coverage less necessary for a vehicle still under warranty. The other coverages listed are essential regardless of the vehicle's warranty status, as they cover different aspects not typically included in a factory warranty.