You might be using your kid's bucket and shovel to dig your car out of the sand, or else be prepared to pay for a tow, unless you have optional roadside assistance coverage. If you do, your insurer will dispatch a wrecker to tow your car onto solid ground. Many auto insurance companies offer roadside assistance, or you can purchase it through a group such as AAA. (Photo provided by: iStock)
2. Your canoe or kayak flies off the roof of your car and hits another vehicle.
All states but New Hampshire require you to carry liability insurance on your vehicle. If you don't, you'll be up a creek without a paddle. Penny Gusner, Insure.com's consumer analyst, says your liability insurance should kick in to cover the damage to the other vehicle because the canoe was originally attached to your car. (Photo provided by: iStock)
Typically, if you're struck by a vehicle while riding your bike, you'll be covered for your injuries if you have auto insurance medical payments coverage. Generally, your car insurance is primary to your health insurance, meaning you'd use your car insurance medical payments coverage before your health insurance, says Gusner. If you live in a state that requires you to carry no-fault auto insurance, you'll typically have personal injury protection, which will cover your medical costs, though not all states cover bicyclists. Uninsured motorist bodily injury also may help cover the cost of your treatment, if the driver didn't stop to exchange information. Underinsured motorist bodily injury can help if the driver did stop but his liability limits are too low to cover all your medical expenses. If you hit a bicyclist, your bodily injury liability coverage would pay for medical costs up to your limits. (Photo provided by: iStock) 6. Your car is hit by kids playing ball in their yard. The kids' parents could pony up the cash to cover the damage to your vehicle, or the liability portion of their homeowners insurance could cover the cost. Otherwise, you can turn to your auto's comprehensive coverage, which covers damage that is not sustained in a collision. Some auto owners drop comprehensive insurance coverage on older vehicles, so if you've done that, you could be paying for the repairs out of your own pocket. (Photo provided by: iStock)