Frequently Asked Questions

Your liability insurance protects you for the operation of a rented car for 30 days. If you have comprehensive and collision coverage on one vehicle, that coverage extends to the rented car. Your deductibles still apply. Use a credit card to rent the car. Most credit cards include "collision damage waiver" which pays for your collision deductible and certain other types of events. Check with the credit card company. There may be restrictions for vehicle types. If you rent a vehicle which exceeds 10,000 lbs. gross vehicle weight, you may need to buy all the insurance from the rental agency. Also, the policy territory is USA, it possessions, Canada, and Puerto Rico. If you rent elsewhere, you need to buy all insurance from the rental agency. Ask your agent.

If you lease or borrow to buy a car, the amount of your note may be greater than the value of the vehicle. This is the gap. GAP coverage pays this difference. Insurance usually pays for the depreciated value of your car. So, if you have a long term note and a new car, the GAP may exist.

No. Your car insurance only pays for things which are part of the car such as seats, tires and wheels, and permanently mounted audio equipment. Stolen items are covered by homeowner or tenant policies.

If you have rental reimbursement on your policy you have a limited amount to cover rental costs, usually $30 per day for 30 days. You must get authorization from the company before you rent. If you want the insurance company which carries the policy for someone responsible for your damages to pay for a rental, you must get authorization from that company. This daily limit and length of time allowed may be limited. Make sure that you know what will be allowed before you incur any costs. If the vehicle is a total loss, there may not be any rental reimbursement from any source.

Your policy protects you and the person driving the car.

Drive safely. Make sure that you are getting every discount to which you are entitled. The discount list includes credits for more than one car on a policy, more than one policy with the same company, driver education courses, good student, air bags, alarm systems, no previous losses, and more. Consider higher deductibles on comprehensive and collision insurance. If your vehicle is not worth much, you can drop comprehensive and/or collision. High performance and high value cars cost more to insure than standard cars.

This policy adds an additional layer of liability protection to your auto and homeowner or tenant liability limit. The coverage can be "following form", exactly like your auto and homeowner liability, or it can be true "umbrella" which adds some important protection such as libel and slander. The layers start at $1,000,000 and can be purchased in higher increments. Cost is surprisingly low. Ask us.