Besides the typical collision, comprehensive and specified perils coverage, your insurer may offer some other endorsements. These include: Accident Forgiveness: Your first at-fault accident won’t increase your premiums Depreciation waiver: Following an accident, you are reimbursed for the full purchase price of your vehicle instead of its depreciated value. Cars immediately depreciate when you drive them off the lot. Without this endorsement, you may not receive enough following an accident to replace your ride with a new one. A car dealership or financing company may also offer your gap insurance to cover this discrepancy.  Family Protection: If you or your family members are in an accident with an under-insured driver or in a hit-and-run, this option covers the costs beyond their limit. Loss of vehicle use insurance: this option covers the cost of a rental car if your insured vehicle is being repaired following an accident Liability for damage to non-owned vehicles: this covers collision damage for a vehicle that you borrow or a rental car.  Minor Conviction Protection: minor traffic violations like a speeding ticket aren’t factored into your Roadside Assistance: This covers services like towing, changing a tire, jumping a battery and winching if you run into an issue while driving.