Hello, my name is Chris, and I hate insurance. I hated my father safe before me, and for all I know his father before him. More … Kind of a family tradition I guess. I am sure my house, my car insurance, insurance for my life, my boat insurance, insurance for my children, my health insurance, insurance for teeth, insurance for my recipes for my insurance of bank loans and insurance for when I travel. Wow! It is a wonder, I am not sure my insurance. Do not laugh, I’m sure I heard somewhere that there is an insurance company that insures other insurance companies. Someone must be making a killing off this. The only certainty I have these days, is pet insurance
. Just because we do not have a pet, and children are pushing a lot on that front.
Why hate Insurance And?
Everybody hates insurance, because it never feels as if nothing about it. Normally when I buy something, I walk out the door with her, or hear, or see, or just enjoy it. Surely nothing like that. Certainly seems to be a pretty one-sided agreement. “Thanks for the check Mr Campbell. Oh, and just to be sure that we make a little more next month and the month after and the month after that. Have a nice day.” I feel great. And I get to enjoy anything in writing the checks. No, but do not worry about their well-insured now. I cringe just thinking about how much has happened in the insurance through the years. And, worse still feel when I think of how little insurance companies have paid me. In retrospect, it appears that only a very bad investment. I feel like I’ve been buying shares in all these crappy companies over the years following the bankruptcy. The biggest scam of all is that most people who buy insurance, are really paranoid to submit an insurance claim, because their rates skyrocket. Not to mention that all previously so nice insurance company treat you like a leper employees, which lasted only three times their puppy, their children and stole all the Halloween candy.
What is your Deepest Fear?
We all want security, we all want to know everything will be fine. We hope that things will remain status quo, and breaks are not important in our lives. That’s what they buy insurance. The peace of mind. Protection of the unknown. The salvation of disasters. And when it works, that’s great. Type of insurance is a socialist kind of thing. Everyone chips in a bit to protect the unfortunate. And that’s good. I feel better, if I think my insurance premiums, saving another person’s life altering disaster. And the optimist who believes in me, is what really happens most of the time. It is when the insurance companies refuse to pay the people who really need it, which irritates me most. Especially when you just line the pockets of greedy shareholders and CEO’s. That in reality it is not for sure. Therefore, be smart with your purchase of insurance, and remember, we’re all in this together.
A car rental is very convenient when you need a car to get around or need a way that you do not have to tolerate the wear and tear on their own. All you have to do is pay rent and are able to have this car when you need to take it. But what if you get into an accident in a rental car and not buy insurance? What does that mean to you?
Insurance options
There are a couple of different options available to you in regard to insurance. First, their own insurance for you and you may include in a rental car. The best way to determine this is to check with your insurance company about its policy. You need to know whether or not you can be insured in a rental car.
The second option is to take the insurance through the car rental company. The rental car insurance through the company offers the coverage you need if you’re in an accident. If you do not have coverage through their insurance company, this is your choice. Just be sure to look at your insurance company’s policy carefully. You do not want to pay for insurance through the car rental company if you do not have to. You will be surprised how many people feel they have to buy rental car insurance company and the company can not say anything to them about it. If the client says he wants, then the car rental company will give to them. This is regardless of whether they really need it or not.
However, there is good news. You do not have to worry about being in a car accident without insurance. This is because you have to show proof of insurance for the car rental company to rent a car. If you do not have insurance, then you are required to buy insurance. They will not let you have one of their cars off the lot unless you have insurance. This is due to be held responsible if something happens you’re in an accident in his car. They do not want to pay thousands of dollars in medical bills or be sued, because they addressed one of their cars without insurance.
Compare
Just make sure you check with the various car rental companies to find the one with the best prices. Rental rates can be large, but their insurance rates can not be. This means that the total cost of the rent may be considerably higher than the other only by the insurance company. Definitely do not want to make sure you always ask about insurance rates if it is something we should take.
So as you can see, renting a car is much easier than you think. While you have a license and a credit or debit card to pay the rent, which is in the business. You do not have to worry about not being able to rent a car if you do not have insurance. You may not have to worry about driving a rental car without insurance. All you need is there with the car rental company. Just make sure you only buy insurance if you need it. If not for their own insurance, then you will have lower rates with the car rental company. Lower rates are always a good thing because it keeps more money in your pocket.
Many car renters believe that they are automatically covered for loss and damage to their rental car. It is very important to look into this before you make the decision to decline the optional loss damage waivers sold by rental car companies.
Some credit cards will cover damage or theft to your rental car, but you are not covered just by being a cardholder; you must use the card to rent and pay for the vehicle.
Some credit card coverage plans cover accidents only if the cardholder is driving, not the cardholder’s spouse or an additional driver.
While your credit card coverage may replace the need for CDW (Collision Damage Waiver) and/or LDW (Loss Damage Waiver) offered at the car rental counter, check with your card issuer to see what kind of vehicles are covered. Coverage can vary from card to card, and it can also vary based on the issuing bank or credit company that issues the card as well.
Check to see if the coverage is primary or secondary. For some companies, its’ coverage becomes primary only if you don’t have any personal collision insurance of your own.
Most card issuers do not provide coverages for more expensive rentals, so it is necessary to call them to see which rental vehicles they cover. Usually they provide coverage for cars and exclude more expensive rentals such as sport utility vehicles (SUV’s), luxury cars, exotic cars and vans. Coverages may also not extend to long-term rentals or rentals in other countries.
