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Rental Car Insurance

Rental car

There are more options for renting a car than ever before. In the past, you simply selected a vehicle from one of the many brick-and-mortar car rental companies found at airports, train stations or other locations. Today, technology has made possible other alternatives, including peer-to-peer car services, which enable consumers to rent personally owned cars from others; and car sharing programs in which—for a monthly or annual fee—consumers can pick up a vehicle at a wide range of locations for periods ranging from minutes to days.

While these car rental options mean more choice for consumers, they mean more questions about insurance coverage. Fortunately, it is possible to be properly insured when renting a car without wasting money by purchasing duplicative coverage.

The insurance coverage offered by traditional car rental companies is fairly standardized. However, coverage varies widely amongst other types of car sharing programs. The most important step is to read the car rental/sharing agreement—most companies clearly state what is covered as well as the supplemental coverage that can be purchased.

Regardless of the rental car option, the I.I.I. suggests making two phone calls:

The first, to your insurance company, to find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car (providing you are using the rental car for recreation and not for business).

If you have dropped either collision or comprehensive on your own car as a way to reduce costs, you may not be covered if your rental car is stolen or damaged. Insurance rules vary by state, so it is best to check with your insurance professional for the specifics of your policy. Check to see whether your insurance company pays for—or provides a rider for—administrative fees, loss of use or towing charges.

The second, to your credit card company. Insurance benefits offered by credit card companies differ depending on the company and/or the bank that issues the card, and the level of credit card used (a platinum card may offer more insurance coverage than a gold card). However, most credit card only provide limited coverage, such as covering the deductible if there is a claim.

To know exactly the type and amount of insurance that is included, call the toll-free number on the back of the credit card you will be using to rent the car. If you are depending on a credit card for insurance protection, ask the credit card company or bank to send you their coverage information in writing.

In most cases, credit card benefits are secondary to either your personal insurance policy or the insurance coverage offered by the rental car company.

Brick-and-Mortar Car Rental Insurance

Consumers renting from traditional car rental companies can generally choose from the following coverages (Note: insurance is state-regulated; the cost and coverage will vary from state to state.):

Loss Damage Waiver (LDW) Also referred to as a collision damage waiver, an LDW is not technically an insurance product—it is designed to relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges for the time a damaged car cannot be used because it is being fixed. An LDW may also cover towing and administrative fees. The Loss Damage Waiver may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated.Comprehensive/collision auto coverage generally covers damage to a rental car. Keep in mind, however, that in most states diminished value is not covered by personal auto insurance policies.

Liability Insurance By law, rental companies must provide the state required minimum amount of liability insurance coverage—generally this figure is low and does not provide much protection. (See State minimums here.)A standard auto insurance policy includes liability coverage. For additional protection, consider an umbrella liability policy. Non car-owners who are frequent renters can also purchase a non-owner liability policy, which not only provides liability protection when renting a car, but also when borrowing someone else’s car.

Personal Accident Insurance This covers the driver and passengers for medical and ambulance bills for injuries caused in a car crash Health insurance or the personal injury protection (PIP) provided by your auto insurance will likely cover medical expenses.

Personal Effects Coverage This provides insurance protection for the theft of items from a rental car.A homeowners or renters insurance policy includes off-premises theft coverage. If you frequently travel with expensive items such as jewelry, cameras, musical instruments or sports equipment, consider a personal articles floater to protect your valuables at home and while traveling.

Car Sharing and Peer-to-Peer Car Rental Insurance

The insurance offered by these companies is not standardized. It is therefore important to go to the company’s website to read the insurance coverage information carefully. If you have any questions, call the customer service number listed on the website. And contact your auto insurer if you feel you need more information to make an educated insurance coverage decision.

Car sharing programs like ZipCar, generally include insurance costs in the fee. However, if the car is involved in a collision or is stolen, the renter may be billed for a specific dollar amount that is stated in the membership agreement. For an additional cost, customers can purchase a “waiver” to avoid paying the accident fee. Car renters under the age 21 should read the insurance coverage carefully as many programs limit coverage for young drivers to the minimum state required amount of liability. Young renters can look into whether their parents’ auto insurance would cover them for the difference, or purchasing their own non-owner liability policy.

A number of web-based peer-to-peer rental services (e.g. RelayRides) offer both basic coverage and supplemental insurance. The supplemental insurance includes both coverage for damage to the car and liability protection, and provides a choice of coverage amounts and deductibles. Renters who do not purchase the additional insurance are required to sign an agreement stating that they declined the coverage.

From this source http://www.iii.org/article/rental-car-insurance
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Learning To Ride A Motorcycle Need Not Be A Frustrating Experience

Riding a motorbike is one of the most fulfilling experiences youll ever have. However, as a beginner, learning to control this monstrous machine may seem difficult or even dangerous. Besides mastering how to balance the two wheels even on sharp corners, it is important to be familiar with the rules of road usage and a whole lot of other regulations. There are also a few stunts that one needs to get up to speed with before gaining full confidence to bike across various obstacles. But acquiring the much needed biking skills should not always be a frustrating experience. Usually, you can learn to ride a motorcycle in a few days provided you are trained by a master who is ready to hold your hand. Here are some basic tips to prepare you for your first ride.

Familiarize with all the road user rules applicable in your area.

Motorcycle riders are required to adhere to the same road rules as other road users. As such, it is imperative to make sure youre up to date with various laws, signs and markings by driving recommended drivers handbooks. Please also note that there are some rules that are specifically for motorbike riders which one should also familiarize with e.g. keeping at least one hand on the handlebars when riding.

Be open minded, some people take longer to learn than others.

Depending on your level of exposure and confidence, the amount of time required to master motor-biking may vary from one person to the next. It is therefore important to stay open minded and to be prepared to follow a unique path of learning.



Look for a competent trainer who has a good record of accomplishment in training beginners.

Motorbike riding training can be quite frustrating if a proper learning curve is not used. So instead of just looking for a teacher, make sure you find a master who is ready to understand the needs of a beginner. As a newbie, you need to work with somebody who is willing to listen to you and adapt to your particular learning needs.

Always wear a helmet when riding.

Whether you are controlling the bike or are just being carried around the training field, you should always wear a well-fitting helmet. It is important to inculcate this habit from the onset a good rider is one who is disciplined and conscious about own safety and that of other road users.

Lastly, be patient and ready to learn. Start by riding at slow speed and advance gradually as you build confidence. Remember, great riders enhance their skills through constant practice. So be committed to learning, make it your passion and youll succeed.

If Your Car Battery Dies

Eventually, some vehicle users may well suffer from battery failure. Maybe you missed the usual signs when car batteries are about to fail.

Its all you need when your just heading out to fetch the kids from school or heading into work.

In the event that this has happened to you and you have been left stuck at home or the office , this can most likely leave you in a little bit of a predicament. There are a couple of alternatives available for getting your car battery replaced.

(Solution 1) Contact A Mobile Car Battery Fitting Service.

An excellent option is to call a mobile vehicle battery fitting organisation, these people will come to the place where your car is stuck and replace the vehicle battery for you at a reasonable fee. Doing this could save a huge amount of hassle and fuss.

(Solution 2) Replace The Car Battery On Your own.

If you have gained a bit of experience with cars you could be proficient at changing this for yourself. You would need to search for a battery supplier local to you and arrange to go and collect the new battery. Establish they hold the exact battery in stock for your car before leaving to collect.

If your unsure try an on-line battery finder, you can just type in your registration and it would display the battery types suggested for your vehicle type. Otherwise you can examine the battery, on which it should have a label with details on it with regards to the battery type. Don't forget to always check the vehicle user guide for the best way to replace your battery.

(Solution 3) Look for A Local Repair shop In order to Switch out your Vehicle Battery For You.

You could look up a nearby garage who might be able to book you in quickly in order to have a battery replaced, but an issue you might face is getting the vehicle there. The repair shop may well be able to come and jump start the vehicle for you or you might be able have a go at doing it yourself. Alternatively if you hold an breakdown policy which covers you at home, they might be able to come and start the vehicle or tow it to the garage for you.

Your vehicle battery is vital so as to the starting of your vehicle, but lots of individuals in many cases forget to check this every now and again.

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Tips On Buying A Used Car From Used Car Dealers In Kent

Welcome to all this short article on how to make a smart buy when approaching the used car market. This is a topic we are well versed in, we are local experts on used cars dealers in Kent and as such have has extensive experience in matching consumers with the car of their choice.

If you think it might be time to get behind the wheel of a used car, dont think you are on your own in this market full of swindlers hoping to take your cash and leave you with a an old clunker. You can call us for some great offers, important advice and even great referrals.

Following is a short compilation of common hazards awaiting the used car buyer, be sure to review this well before going out to purchase your vehicle.

Important Pointers for Used Car Buyers from the Used Cars Dealers in Kent

-Used Value The first thing to know about buying a used car is that they are always a better deal than a year model. This is because up to 40% of the value disappears as your pull out of the dealership.

With this in mind, you must also consider that the used car lot can be one of the most crooked markets around, with all kinds of clever rogues attempting to turn their scrap into cash.

Following are two ploys that a clever buyer should be aware of:

1. Clocking the Odometer

This is the illegal practice of turning the odometers dial down to give the false impression the vehicle has seen less use than it actually has. Every thousand kilometers removed from the total amount can significantly increase the asking price.

Signs a vehicle has a clocked odometer include:

-There is always a fair amount of chipping, scratching and other such damage done to the underside of the bumper, grille and bonnet caused by gravel and debris being kicked up from the tyres. Does the amount of damage coincide with the odometer reading?

-Worn parts of the car are also indicative of older vehicles. Look at the pedals, gear shift and seat belt. These are all indicative of the age of the car, compare the seat belt on the driver's side to the passenger seats. Do the pedals look worn?

-Brand new parts on an obviously older vehicle can also be indicative of something old and problematic awaiting below the surface.

2. The Clone

A car may also be stripped of its original identity and be given the identity of a newer car. This illusion can be accomplished to varying degree of efficiencies. Sometimes it is a simple as swapping the plates and sometimes even more deceitful.

You may not even find out the car you bought is not yours. By the time your car is being repossessed the clever rogues will be long gone spending your hard earned cash on wine and song.

Carefully checking out all the details of the car's registration papers and following proper process for purchasing used vehicles are the best ways to avoid this debacle.



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A Regular Marine Battery And Deep Cycle Marine Battery Explained In Detail

There are several different kinds of lead acid batteries that vary from the standard car battery, and quite a few people are confused by the differences. There are marine batteries, made for use in boats, and a marine deep cycle battery that are made for use in boats especially to run appliances or trolling motors. These two types of batteries differ from car batteries in several key areas that are very important for their care, maintenance, and usage, let's take a look now.

The Marine Or RV Designation Involves The Construction Inside

Many people that have never opened up a lead acid battery and looked inside will tell you that RV, marine and automotive batteries are identical, well they're not. A regular automotive battery can't take the same abuse physically that a marine battery is made to handle.

Face it, when you're in a boat slamming the waves hard it rattles the fillings out of your teeth. In addition to that, many times the bow of the boat is pointed straight up into the air one minute, then nearly straight down the next. A car battery isn't made to handle that on a consistent basis and will fail earlier than a real marine battery.

The reason is that the lead plates inside the batteries are built differently in order for the marine battery to take all of that pounding and not have the plates move together and short out. If you were to open up the two different types of batteries you'd notice the different layout of the plates and more reinforcements or spacers holding them apart in the marine battery.

The Marine Battery Construction Comes In Several Different Usage Models

Once you understand what the "marine" label designation really means for that type of lead acid battery, then you can better understand that there are several different types of marine batteries available depending on the projected use.

Some marine batteries are made to start the engines so they have a lot of cold cranking power much like a strong car battery would. They can withstand high power draws for 15 or 20 minutes to start the engines, then they want to be recharged again. However, they don't like to be drained all the way down in power, that's actually bad for them and can ruin them quickly.

A deep cycle marine battery is primarily made to run electric trolling motors, onboard refrigerators, electronic equipment, and other long-term, low-power draining. They can handle being drained nearly all the way down without harming the battery. However, they should never be used in a high drain application like starting a large motor, as that will cause a shortened lifetime and may not work to start the engine either.

And now when you go to buy your deep cycle marine battery you'll know exactly what you're looking for and won't be confused by the "marine" designation that you read. By getting the right kind of battery you'll get much longer usage and far fewer failures while boating.



#ARegularMarineBatteryAndDeepCycleMarineBatteryExplainedInDetail

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Driving On Motorways.



The idea of driving on the motorway should not give you jitters and make you go into panic mode. By the time you get to drive on the motorway, you will already be an experienced driver and this new experience will come to you as naturally as taking your next hot cup of coffee. You will find driving on motorways interesting as all vehicles are headed in the same direction, speeds are high and you won't find pedestrians, agricultural vehicles, sharp bends, right turns or even roundabouts. They are pretty safe to use but a few tips will go a long way in putting you in the know and helping you ensure that you don't put other road users, including yourself, in harm's way. For further training why not consider exploring driving schools Glasgow.

There are specific procedures you must follow when joining the motorway and this include firstly, indicating your intention and giving priority to those already on the motorway. You can neither force your way into the traffic nor drive on the hard shoulder. The motorway can have two lanes or three lanes. Fast rules here are that you keep left while driving normally except when overtaking then you can use the right lane but return to the left once done overtaking. On a three lane motorway, you might need to stay in the middle lane to finish overtaking several vehicles before moving back to the first lane and only use the third lane if the middle one is fully occupied.

Carefully change lanes and only overtake when it is safe both for you and other road users. Your intention to do so must be clearly visible, indicating in good time and keep checking the blind area. In addition to this, make it easy for other vehicles to join the motorway also by adjusting your speed and leaving the left lane to enable them join seamlessly. Watch out for signs overhead to signal change of direction so that you act appropriately say, change lanes and so on.

Remember that you cannot endlessly use the motorway. Watch out for junctions, countdown markers and the exit slip roads. Note that you must be in the correct lane, the left, for you to exit the motorway and if you miss your exit, drive on and look for the next since you cannot reverse on a motorway in order to return to the slip road you missed earlier. You can only stop on the motorway if signs or indicators tell you so, if stopped by police, in case of an emergency or when avoiding an accident. In this case, your hazard lights must warn those behind you about the situation.

As a precautionary measure, always drive safely within acceptable speed limits, keep your distance from other vehicles, regularly check your mirrors, be keen with motorway signals, and learn how to interpret flashing amber or red lights. Whenever possible, stop to replenish your strength before going on with your journey. Fatigue is not compatible with driving. Lastly, refresh your memory about reflective studs and remember hard shoulders can only be used in case of an emergency, otherwise, stay on the normal lanes reserved for driving.

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