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)