Tag: Auto Insurance Policy

20
Jul

Is Waiving Rental Car Insurance a Good Idea for Your Road Trip?

Rental car insurance and the increased cost of gasoline and rental cars are making road trips expensive. Some drivers use their credit cards and existing auto insurance to avoid paying for rental car insurance. While it  may help you save on some costs, it  won’t fully cover you against accidents where you are at fault. Therefore, before waiving the rental car insurance,  know what and when it covers before deciding on a course of action.

I Have Personal Auto Insurance. Can I Waive Rental Car Insurance?

Your policy type and its coverages play a vital role in deciding whether or not to waive the rental car insurance, because different policies cover different scenarios. For example, basic auto insurance will cover you against third-party bodily injury and property damage caused by an at-fault accident. It will not cover damage to your rental car.

However, comprehensive and collision coverages will cover damage to the rental car resulting from vandalism, theft, flood, fire, and collision with another vehicle or object. Therefore, you can waive the rental car insurance if you have these coverages.

Also, check if your policy covers administrative fees, including loss of use and towing, as the rental company may charge you for the time their car is in the repair shop.

Will My Auto Insurance Premiums Increase After an At-Fault Accident?

Yes, at-fault accidents will increase your premium just like it would if you were driving your car.

Won’t My Credit Card Cover Me?

Your credit card may offer protection in some circumstances if you use it to pay for the rental car. American Express credit cards (including all of its US business and consumer cards) cover rental cars’ loss and damage, whereas Visa cards offer some  collision coverage. However, Discover Financial Services has stopped providing rental car insurance benefits on its credit cards since 2018.

What If I Use a Car-Sharing Service?

Ensure to check what your existing car insurance and credit cards cover. You can then, check what your car-sharing service offers, as some companies offer liability coverage and the option to choose from various levels of physical damage protection. You can refuse the insurance provided by the car-sharing service if your current auto policy is adequate to protect you. However, if their policy is necessary for your protection, don’t waive it.

Cover Your Road Trips with Abatelli

A comprehensive auto insurance policy might let you forego the rental company’s insurance by providing you with enough coverage at all times against all risks. If you are looking for the best-in-class car insurance that offers extensive protection, contact us today at Abatelli Insurance Group, and we will assist you.

26
Aug

5 Tips to Prepare Your Teenager to be a Safe Driver

Teaching your teenager to drive can be both exciting and terrifying at the same time. While driving is another step in their journey towards independence, putting them in charge of your much-prized possession can be quite risky. Regardless of your feelings, you have to teach your teenager how to drive safely.

In this article, we will discuss some of the safe driving tips that will help them be more responsible drivers and might even do the same for you.

1. Buckle your seatbelts

Always make sure that your children buckle their seatbelts immediately after they enter the car. Do this every time they enter your car until they imbibe the habit and you no longer have to remind them.

2. Avoid using the cruise control when it’s raining

Cruise control is an incredible feature that enables your car to maintain its speed while driving on a highway. However, it is not a smart option for driving in the rain. This is because rain makes the roads wet and slippery, and with the cruise control on, the chances of the car wheels slipping and the driver losing control of the car increases. Therefore, educate your children on the dangers of using cruise control when it’s raining.

3. Avoid speeding

It is a known fact that speeding is a common cause of accidents. Depending on the extent of the accident, the victims might get off unscathed or with a few scrapes. On the other hand, they might also end up losing their lives. Therefore, remind your teenager that being a few minutes late is better than speeding.

4. Make use of the side and rear-view mirrors

The side and rear-view mirrors of a car are vital for safe driving as they enable drivers to see clearly behind and on either side of the vehicle. For this reason, your teen must always have optimum access to these mirrors. That is, they should ensure the mirrors are always adjusted to their height and size preferences.

5. Avoid using your smartphone while driving

Despite their many benefits, smartphones have become a huge distraction for drivers, especially teen drivers, who are more inclined to use these devices while driving. Many teen drivers believe that they can multitask – that is, drive and use their cell phones simultaneously. However, driving requires the driver’s total attention, and taking your eyes off the road even for a few seconds can result in a fatal accident. Teach your teens never to use their phones while they drive.

Finally, let your teenager know that they can’t always be in charge. There may be times when they get involved in accidents that aren’t their fault. Having the right auto insurance policy in place will protect your teens in the event of an unfortunate accident. If you want to know more about auto insurance, contact us at Abatelli Insurance. We are here to assist you with all your insurance needs today!

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