Life is busy and we rely on insurance brokers to fulfill our requests.  However, the coverage is in the contact, not what the broker “tells” you.  Make sure you are familiar with all the definitions and terms of your car insurance contract / Declarations Page.   http://en.wikipedia.org/wiki/Insurance_policy.  You can visit your carrier’s website and find the area that defines the terms found in your Declaration Page.  If you find that there is coverage that was not included, such as rental of vehicle, medical payments (Med Pay), etc., please call your agent immediately and make the proper changes.   http://www.carinsurance.com/insurance-terms-glossary.aspx   If you wait to make the changes after you have been involved in an accident, it will be too late.   Please contact Hafif & Associates if you have been involved in accident.  www.hafiflegal.com