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Should I purchase rental car coverage?

Should I purchase rental car coverage?

Many rental car companies refer you to your insurance company and credit card companies to determine if you should purchase rental car coverage. So, what does your Insurance policy cover?

1. Liability, Comprehensive and Collision coverage may extend from your auto policy to your rental vehicle in certain circumstances. If you are considering not purchasing rental coverage from the rental car company, review your policy or contact your agent to verify that you have these coverages on your current policy.

2. Your personal auto policy has exclusions and limitations that apply to rental vehicles as well as your personal auto. Some questions to consider when deciding whether to purchase rental car coverage.

a. Will I rent the vehicle for more than 21 days in a 30 day period?
b. Will I be using the vehicle outside the United States?
c. Will the gross vehicle weight of the rental vehicle exceed 10,000 pounds?

If the answer to any of these questions is “yes” contact your agent for additional information.

3. Some rental car companies may hold you responsible for losses that are not covered by your personal auto policy. These may include loss of rental income if the vehicle is out of commission while being repaired and depreciation if the vehicle has been damaged. It is very important for you to understand your responsibilities, so be sure to read the details of your rental contract.

4. Some credit card companies may provide rental car benefits. It is a good idea to contact your credit card company to see what benefits are available.

5. It is important to do your research before you get to the rental car counter. Your agent is here to assist you if you have any questions concerning rental car coverage.

This document was produced to provide information concerning rental car coverage and is not intended to replace or alter the automobile policy. For any questions related to coverage, refer to your policy or consult your agent.

Welecome Brandon, MS

“I thought my first article I wrote for a local paper would be a good start for my blogs, keep in mind that this article was written over a year ago so dates and events occured in the past.”

Brandon takes a step in the right direction towards revitalization

Brandon has a new Alfa Insurance agent in a not so new location. Alfa agent, Chris Woods’ office is located at 311 E. Government St., which is at the intersection of Government St. and Louis Wilson Dr. This is no ordinary office, oh no, it’s been a part of Brandon for a long time. The Alfa office was once a residential home built back in 1948 and is now part of the historical district. While the outside if the building looks new to match the other recently constructed building’s in the professional office park called The Cove. The inside of the building is like taking a step back in time. Chris says he is ecstatic to offer his expert services out of a building with so much history. Chris has been a resident of Brandon for quite some time himself, being a graduate of Brandon High school in 1998.
Chris was asked what made him want to be an insurance agent, he replied well there are many reason, first being that I really just enjoy helping people and the other is that it seems to run in the family, my uncle is an insurance agent in Paris, TN and my dad is a partner in a local Insurance adjusting company which, I worked with prior to becoming an insurance agent.
Is there anything that sets you apart from the other agents in town “Well I cant speak for them but, I can tell you what I do offer, I offer a 100% guarantee that I will provide you with best service to my ability and that you will not just be a number to me, you will be a friend first and then a client and, I will always be accessible to my insured, heck my cell phone number is on all my business cards so there you go.”
What would you say is the most important part of insurance “I would have to say hands down it would be life insurance, now don’t get me wrong auto and home insurance is very important but it is also required by the lenders so people know its required so they buy it but, somehow the most important purchase in a persons life gets overlooked, that being life insurance. Now there are many different reasons people don’t buy life insurance to many for me to list but, some of the main reason; are not knowing about it, thinking they don’t have the money for it, but the main reason is people think they don’t need it right now. The best way for me to explain the need to have life insurance as soon as possible is through the Life-Saver analogy “Imagine I’m a Life-Saver float salesman and I come to your office one morning and try to sell Life-Saver float. You would think I was pretty silly, wouldn’t you? Because you don’t need a Life-Saver float. But let’s imagine you decide to go fishing out on the reservoir, a storm comes up, the boat capsizes and you are in the water fully clothed struggling for buoyancy. What would you say if I shouted from the shore HEY YOU WANNA BUY A LIFE-SAVER FLOAT? You would probably want to buy one. The trouble would be that I couldn’t make the delivery under those circumstances. Now, I can’t read the future and I don’t think you can but I can predict one thing: Some day, you are going fishing, we just don’t know when. It may be this afternoon, next week, next month or years from now but some day from this moment forward you are going to capsize and you are going to be in the water struggling.”

You seem very passionate about insurance “I am because it is so much more than a piece of paper to me, it’s a protector that never sleeps and provides you with piece of mind, which allows you to enjoy the rest of your life without having to worry about your home, automobile or if your family will be taking care of properly after your gone.”

Chris’ Alfa Insurance Agency is currently open for business but he is planning a grand opening in June which will have drinks, snacks, and literature on his multi-line of insurance products which include but are not limited to Auto, Home, Life & Loans. He encourages anyone who has any questions or concerns regarding just how well protected they actually are to give him a call at 601-825-9995 or just stop by because he is always read to listen and help someone tailor fit the correct insurance coverage’s to their needs.

Seed Newsvine

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