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The time of year that everyone looks forward to: vacation. Your suitcases are packed and by the door, you’ve booked a great hotel room for a great deal, and you’re ready to turn your cell phone off and just sit back and relax.
However, this relaxation can quickly be interrupted if you haven’t thought of one thing that’s actually one of the most important thoughts that will cross your mind: your auto insurance. While it’s not on your to do list for leaving town, it should be, as you should be thinking about your auto insurance and what potential risks you are facing, regardless of whether you’re driving your car or a rental car.
Regardless of the vehicle you’re going to be driving, you should understand what insurance policies will cover what on either of the vehicles that you plan on driving on your trip. Ideally, it would be nice to be within walking distance of anywhere you’re going or to have your own driver, but you’ll have to forgo Jeeves this time and take care of the driving yourself.
Finding Out What’s Covered By Your Insurer and the Rental Company
If you’ve decided to take a rental car on your trip, then there are a few things to keep in mind, and you need to know what kind of coverage will protect you if something happens to the rental car.
If the rental car company does in fact say that they don’t allow anyone else to drive the car, then you’ll definitely want to adhere to the rules, because if something happens and there’s an accident, then you’ll end up with the bill, and if someone is seriously hurt or injured or there’s property damage, then expenses can add up quick and turn your vacation into a nightmare. You could also be sued by the other party for pain and suffering, and if you don’t have the money to pay these costs, then you could risk having all your assets taken, including your home and other financial assets.
Obviously, if you drive your own vehicle, then you’ll already have your insurance policy to protect you. However, consider these things as well.
One of the worst things that could happen on a vacation is any kind of accident, especially when you’re not in the comfort of your own home. It only takes a few moments to call your agent to find specific details, but it could take the rest of your life to pay off damages and claims that result from accidents while you’re on vacation.