Unless you’re a stuntman, crash test dummy or monster truck driver, accidents aren’t a common part of your life. That means understanding, or at least remembering, what your insurance policy covers can be tricky. Here are a few things you should double check that you’re covered for if you don’t want an accident to wreck your bank account as well:

OEM Parts – Chances are your policy only covers generic after-market parts that will decrease the value of your car. In some cases, it may be wise to pay a few extra bucks a month to cover OEM parts.

Lower Deductibles – Some people raise their deductible to $1000 in order to pay less per month. In the event of an accident, however, this will likely cost you a lot more than it saves you.

Roadside Assistance – If you don’t have this through another provider already, it’s well worth the small amount it will add to your bill.

Towing Reimbursement – Don’t get stuck paying this yourself. Tow trucks are expensive, and most policies will cover up to 100 miles.

Rental Car Coverage – If you don’t have access to another car, renting one for the duration of a repair can be as expensive as the repair itself. Save yourself the headache and make sure you’re covered.

Gap Insurance – If you have a loan on your car, there’s a fair chance it’s worth less than you owe. Gap insurance pays off the full remainder of a loan in the event that your car is totaled and your insurance check isn’t enough to cover it.

Of course, if you’re needing to file a claim, don’t settle for any random shop under the sun. If you already have a relationship with a trustworthy shop, go there. If not, ask friends or family for referrals or go somewhere that specializes in your specific make. It all adds up, and the more willing you are to do your homework, the more it’ll pay off in the end.