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Do I Need Rental Car Insurance?
Hopefully you are also thinking about the coming Summer and maybe where you might travel for vacation. Will you need a rental car for your venture? What about the rental car insurance that is always offered? Do you really need it? Of course the rental agent tries to brow beat you into saying yes because the company ends up with a good profit margin. Maybe the agent who sold you the policy also gets a cut. Either way, is it worth an extra $20 or so a day? Is that even the cost of insurance for a day if the extra profit margin were not entered into the equation? Likely not.
It turns out that about 8% of the car rental industry's revenue comes from selling this rental car insurance option. Therefore, they want you to purchase the insurance. In fact, most rental companies will go after you for the damage if you didn't have the insurance because they want to make a point that you NEED the insurance or you will suffer. This way, next time you are asked the $20 a day question, you will say yes and they will see a nice margin.
What happens if you didn't purchase the insurance? Well, for most people, if you have an auto insurance policy on your own personal car, it likely offers coverage for situations when you rent a car. Additionally, a lot of credit cards offer rental insurance when you use the card to purchase the rental car. Travel agents sometimes try to sell you rental coverage for a fraction of the cost of what the rental car companies offer.
The bottom line is that some form of insurance needs to cover the vehicle you are renting. If you already have a personal policy, find out what your specific policy covers if you rent a car. In most cases, you will not need that additional insurance at the counter. Do the same with your credit cards. AAA cards and American Express are popular cards and typically offer rental coverage if the card is used. Call them and see what is offered. If all else fails and none of those are options for you, try planning ahead and look at a new website called www.insuremyrentalcar.com. This site claims to offer less expensive policies where some rates start at $5 per day. They also offer trip polices and annual policies. Maybe that is a better option for you instead of spending almost the cost of the car per day for insurance.
I think most people would agree that it is hard to be a parent in today's world. There are a million temptations for kids to encounter and the internet does not help by giving them extra ideas at an even earlier age.
This poor mom may have had to face one of the worst decisions yet as a parent. A mom turned her son into police because she believed he wanted to become a serial killer. Turns out the boy has voices in his head that tell him to kill and hurt people. While watching tv, the mother saw a news clip with video surveillance of a man stabbing someone. She recognized her son as the killer and contacted the police.
During an interview, the 25 year old man told police he has multiple personality disorder that makes him do violent things.
A new study shows that the risk of dying in a motor vehicle accident in a late model car or light truck fell by more than one third over the last three years. The study also showed that there were nine car models that had zero deaths per million registered vehicles. The study examined deaths involving 2011 year model cars. The decrease is accredited to better designs and safety technology. The riskiest models were mostly lower priced, small cars, where the safest models were all mid-sized or larger vehicles.
Kristy L. Bruce enjoys the satisfaction of helping change someones life for the better. She hopes you enjoy this blog.
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