Whose Insurance Pays for an Accident in a Rental Car?

When you are traveling for vacation, personal needs or business, a rental car provides convenience and comfort for getting around on your own schedule. Such travel can be full of thrills like visiting a new place, leaving your office desk for a while, and just getting out and doing new things. But driving a rental car comes with responsibilities and even the best drivers can get into an accident.

— When an accident occurs in a rental car, whose insurance covers the damages? —
Rental car companies usually ask the renter if they want optional insurance. Most renters decline this policy without a second thought, unless the state they are in requires it. After all, if you have a car for only a few days, what are the odds of getting into an accident?

Unfortunately the odds are high enough for an accident to occur while in possession of a rental car that many people are confronted with the panic such an accident produces. Their first thought is often, “I should have gotten the rental insurance.” This supplemental policy is specifically designed to protect consumers when they are in an accident in a rental vehicle. It keeps those consumers from taking on liability through their personal insurance policy.

Although you may feel the odds of a rental car accident are slim, you should still opt for rental car insurance coverage at the counter. This insurance usually only costs a few dollars per day but can really provide shelter in the aftermath of an auto accident. While supportive in such cases, do be aware that rental car insurance policies are minimal and have some restrictions, such as when the rental car driver is clearly negligent and caused the wreck.

— Operation of a Rental Car as an Uninsured Motorist —
When you opt out of the rental car insurance policy, your insurance provider is then responsible for damages incurred on that rental vehicle. This is the same coverage as if you were driving your own car at the time of the accident. However, the insurance company can sometimes preclude coverage if the driver is not operating his or her own vehicle. Thankfully, there are only a few states that allow such preclusion.

If you are from one of the states that allows insurance policies to only cover drivers operating their own personal vehicles, and you deny the rental car company’s optional insurance policy, what happens if you are in an accident in the uninsured rental vehicle? In essence, you become an uninsured motorist. The other party involved in the accident must then rely on their own policy to cover initial costs as part of uninsured motorist coverage. But this opens you up to being sued for damages from the collision to reimburse what the insurance company covered.

— Using Credit Card Insurance for a Rental Car Accident —
Realizing you were an uninsured motorist in a rental car accident can be terrifying. When this is the case, you still have one other possible avenues of security. That is, many credit card companies insure vehicles rented using their credit cards. This automatic perk may be something you do not realize you have until it is desperately needed.

If you paid for the rental car using a credit card like this, you are in luck. Despite waiving the optional insurance at the rental car desk and your own insurance policy rejecting a claim, the credit card company may still provide the coverage you need.

When a credit card used for the rental provides no relief, another possible avenue of support is your homeowner’s policy. Sometimes these policy have added benefits that homeowners do not even realize exist. One such benefit may be coverage of rental car accidents. It sounds far-fetched, but your policy could include rental car insurance clause.

— When a Rental Car Accident Happens —
When an accident occurs while you are driving a rental car, follow the same initial steps as you would in any car accident:

  • Ensure you, passengers and the other driver are uninjured, first
  • Call for emergency medical support if that is needed
  • Call the police to ensure you are provided with a police report about the accident based upon law enforcement’s view of the scene
  • Contact your insurance company to inform them of the accident
  • Call the rental car company to tell them you were involved in an accident in one of their vehicles

Most rental car companies provide checklists of who to call and what to do on the scene, in the event of a rental car accident. These checklists are often stickers somewhere visible inside the car or in the glove box along with other vehicle documentation. You can also check your rental policy or the rental policy brochure jacket for possible information, customer service telephone numbers and other details you need.

When a rental car accident occurs, it may be appropriate to reach out to an attorney. A personal injury attorney can help guide you through the accident reporting phase, insurance claims process and in dealings with the rental car organization. Having an attorney on your side may make the experience easier to bear and provides peace of mind in ensuring your best interests are protected.

Exploring the Great Outdoors – Why I Crave Adventure in My Life

Some of my earliest childhood memories are of the summers spent with my father camping with his troop of Boy Scouts in upstate New York. At camp every day was a new adventure filled with the smells of wood fires, pine trees, the earthy scent of forest floor, and catfish being fried in a skillet. I learned many skills at camp such as catching and cleaning a catfish, how to paddle a canoe, as well as learning to swim. I view the outdoors as a big classroom where we learn about ourselves and the world around us. We discover how to live, and how to survive and in the process learn about who we are and what we are capable of. All the lessons my father taught me about the outdoors remain as indispensable today as they were then. I plan to pass these skills on to my grandchildren when they are ready.

I recall feeling that my world made sense to me while at camp. We worked on the basics skills like chopping firewood so we could cook our food and stay warm at night. We fished so we would have a variety of things to eat for dinner, and we slept out under the stars so we could observe the starry night sky and wonder about the vast universe and all its beauty. At home, I did not see my day to day routines as being quite a meaningful. The food never tasted as good, and the sky was never as clear. So began my love affair with the Great Outdoors.

In retrospect; I guess it is not so surprising that I now own an Adventure Travel company. I love helping people create unforgettable outdoors experiences of their own. I had never planned to be an Adventure Travel professional. I just always remained receptive to opportunities as they came my way to travel and to spend time in nature. Being in nature brought me closer to that feeling I had as a child, the feeling that I was connected to everything around me and where everything made perfect sense.

So why do we crave adventure in our lives? I know that for me, the feeling of seeing a mountain vista for the first time, or connecting with a lively salmon and feeling its strength, makes me feel more alive. Perhaps it is not death we fear, but rather the fear of not living life to its fullest. When I return home from an adventure, be it scuba diving in Panama, or hiking up a glacier in Alaska, I see myself differently. I notice my eyes are clearer and wider, and my skin looks healthy. But most of all I feel connected…I feel at peace.

Why to Hire The Limo Service

The matter of fact is why one should or even look to hire the limo service when we have cars on our disposal 24 / 7. This is a tough question to answer and with no common answer to this question. It all depends upon the people who are looking to hire limousine service and each one can come with different reason to support there decision.

Let’s keep aside the reasons that why people hire limousine oshawa limo, hamilton limo service when they have their own cars at their disposal round the clock. One has to be very vigilant or should do good research while hiring the limousine service. Some of the factors that should be taken under consideration are as follow:

• Compare the rates of different service providers.
• Check out options of vehicles according to your need, means how many passengers you have and the space for the luggage so every one can have comfortable ride after adjusting luggage.
• Most important thing is look out for extra charges this can be confirmed when talk to any one at there office.

There can be several occasions or needs when one think of hiring a Toronto Airport Limo service. Some of them are as follow:

Weddings: Wedding day is a auspicious event in any one’s life it is more benefited if can hire a limousine service for this occasion. Weather it is for picking up the bride, take her to the marriage bonding venue or to take both bride and groom to the party hall. Couple can enjoy there hassle free ride to any where they want with out concentrating to how to get through the traffic with full privacy.

Business rendezvous: hiring a limousine service is great and very affordable idea for small companies or for newly started business owners to do things in style with owning there own fleet luxury cars. Weather one is attending a business meeting or you have to pick a business delegation from the airport. If one is picking up some delegation from airport good luxury transport can show your hospitality and leave a positive impression on your counter part.

Anniversary Gift: On the anniversary of your parents it is great idea to hire a limousine service. If you have as being children have arranged a party or even your parents throwing one out side of house to hire a limousine service and pick them up for going to the venue or and after that a long peace full drive can win your parents heart and make there anniversary memorable for years to come. It could be great surprise for them also.

Honeymoon Trips: Hiring a limousine service for your honeymoon trip can bring you unlimited advantages. Women loved to be get pampered at least for few weeks of there marriages and while you will treat your loved one with VIP treatment with riding in a stretch limousine with all the time to your selves and perhaps good old bottle of vine or a champagne can ignite the passion more than one can handle.

Family Trips: Family trips can be much more fun if all the family members do not any else to do and can enjoy the trip together in one place. For this purpose hiring a limousine service is a great idea because limousine service providers have lots of options these days you can hire Luxury bus, stretch limousine or a SUV according to your needs. Which will make your trip certainly a memorable one?