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wha? starr's posting about news?
Dec. 4th, 2007 05:26 pm
Dangerous Driving Pet Peeves.
In the above article, the author mentions that he's driving a "totally uninsured rental vehicle" and that he should have checked the "optional insurance box." That's not true at all. In many states, under your auto policy, rental vehicles are covered under your collision coverage in the absence of other insurance from the rental company, provided that you provide your insurance company with the following things:
1) A copy of the signed rental agreement, including where you declined to purchase additional insurance.
2) Reason for being in the car--some contracts won't cover a vehicle if you're in it for more than 30 days, regardless of rental agreement, unless the vehicle was being used as a temporary substitute for your own vehicle (IE, vehicle is in the shop for repairs).
3) What if you don't have collision on your policy? My answer, as a claims adjuster, is for the love of God, please purchase the additional insurance. However, in some states (NY, TX, MN) damage to rental vehicles falls under third party property damage, not collision. Lucky you in those states.
In fact, it's just easier all around if you do purchase the additional insurance. Saves claims adjusters like me the hassle and the headache.
PS--if you're GEICO insured, please don't drive in Mexico. We don't cover it.
In the above article, the author mentions that he's driving a "totally uninsured rental vehicle" and that he should have checked the "optional insurance box." That's not true at all. In many states, under your auto policy, rental vehicles are covered under your collision coverage in the absence of other insurance from the rental company, provided that you provide your insurance company with the following things:
1) A copy of the signed rental agreement, including where you declined to purchase additional insurance.
2) Reason for being in the car--some contracts won't cover a vehicle if you're in it for more than 30 days, regardless of rental agreement, unless the vehicle was being used as a temporary substitute for your own vehicle (IE, vehicle is in the shop for repairs).
3) What if you don't have collision on your policy? My answer, as a claims adjuster, is for the love of God, please purchase the additional insurance. However, in some states (NY, TX, MN) damage to rental vehicles falls under third party property damage, not collision. Lucky you in those states.
In fact, it's just easier all around if you do purchase the additional insurance. Saves claims adjusters like me the hassle and the headache.
PS--if you're GEICO insured, please don't drive in Mexico. We don't cover it.
