Can I Rent A Vehicle Using My Insurance Coverage After An Accident?

This would depend on if you selected rental coverage for your policy. Of course, you must purchase this coverage prior to the accident occurring for it to be effective. Most insurance companies offer this coverage for their Insureds. In most instances there is a basic rental rate per day for this type of coverage up to a maximum number of days specified by your insurance policy. For example, you may have rental coverage that pays a rate of twenty five dollars a day with a maximum of thirty days allowed for your rental vehicle coverage. You may want to find out from your insurance carrier if the rental rate is inclusive of the sales tax charged as a component of your rental billing.


It is noted that if you rent a vehicle that exceeds the rental coverage amount you are allowed per day by your insurance carrier, you will be responsible for the difference. In addition, keep in mind that most insurance companies will not pay for the CDW(collision deductible waiver) and fuel charge that rental companies may charge as additional items on the rental invoice.


If you are involved in an accident with a rental vehicle, you are responsible for paying your deductible for the repair of this vehicle as though it were your own vehicle if you have collision coverage and meet other conditions specified in your policy with your insurance carrier. However, there may be some exceptions to this if you have violated the rental agreement by allowing a driver that is not listed on the rental contract to drive the rental vehicle. This is the same as not having insurance, unless that particular driver has their own insurance policy to cover the rental vehicle if it is involved in an accident. Don’t take that risk! Make sure that when you sign the rental contract that you list all individuals that you plan to drive the rental vehicle. In addition, make sure that the drivers that use your rental vehicle are licensed so you can avoid any potential problems if the driver of your rental vehicle is involved in an accident. The consequences of not ensuring that the drivers listed on the rental contract can be very costly to you if an accident occurs.


It is also important to understand that if you are renting a large truck for moving purposes it may not be covered via your insurance policy. In many instances trucks used for moving do not meet the weight specifications indicated in your policy to make your collision coverage applicable to an accident you may become involved in with this vehicle. Review your policy regarding this information and consider discussing this with your insurance agent or carrier prior to renting a large truck for moving to find out whether or not there is coverage under your policy. If it is determined that the moving truck is not covered, most facilities where you rent moving trucks have a special insurance policy that provides coverage if you were involved in a vehicle accident. You would be required to pay for the cost of this special insurance policy for the time you are renting the moving truck.


Keep yourself informed and apprised of important information concerning your rental vehicle coverage with your insurance carrier, you will be glad you did in the long run.

Are There Rules To Consider While Dating?

You’re probably wondering are there really rules when you date someone? The answer to this question is yes. There are some things you should do when you’re on a date and some things you should not do when you’re dating someone. So, are you wondering what the do’s and don’ts are when you go on a date? The following tips may assist you with staying on track with your date to avoid potential mishaps:


Tip One:

On your first date, meet in a public place until you get to know the person you’re dating. Great places to meet are the following: museum, coffee house, restaurant, park, etc… I think you get the picture.


Tip Two:

Be on time for your date. Remember first impressions make lasting impressions. If you’re not able to meet your date on time let your date know in advance to avoid potential problems.


Tip Three:

Dress to impress and look your very best.


Tip Four:

Relax and be yourself. Be sure to maintain honesty and truthfulness with the person you date.


Tip Five:

Be sure to put your cell phone away while you’re on your date. You will also want to avoid answering your cell phone and texting. Consider putting your cell phone on vibrate to avoid distractions.


Tip Six:

Avoid being rude and getting intoxicated while on your date. Remember first impressions are lasting impressions.


Tip Seven:

Try to have fun and enjoy yourself with your date.


Tip Eight:

If you determine that you’re not interested in the person you date, just let them know truthfully, respectfully and gently about how you feel.


Tip Nine:

You may want to consider not giving out too much personal information about yourself during your initial date. Take your time, slow it down and get to know the person you date.


Tip Ten:

Stay safe while you date. Remember your safety is very important. If you’re not comfortable with something while you’re on a date just don’t do it.


Tip Eleven:

If you find out the person you date is married it’s time for you to walk away. You will probably save yourself unnecessary grief and sorrow in the long run by doing this.


Tip Twelve:

Remember to compliment your date. That’s right, both women and men love compliments on their appearance from the person they date.



So, as you can see there are some rules you may want to consider when you date. You’re now armed with information that can help you along the way in your quest to date that special someone.