Rental Car Insurance, often referred to as Rental Reimbursement coverage, provides payment on a reimbursement basis, for the rental of a car in the event your automobile suffers a covered loss. That means that if you are in an accident and your car is damaged it will pay for the rental of an automobile while your car is repaired. Here are some things to keep in mind:

• You must carry collision and comprehensive coverage to purchase Rental Car Insurance

• It pays on a reimbursement basis, but most of the major rental agencies will bill your insurance directly.

• It pays only as a result of accident, not for your rental car on vacation

• The coverage has a per day and number of days limit, like $30 per day for 30 days maximum

• If the accident was the other guy’s fault, your rental car will be paid for as part of the property damage settlement by his insurance company

• The coverage is relatively inexpensive

• It covers only the rental of the car, not damage waiver or other add on charges

So the question is: if your car is damaged and has to go in the shop, how much of an inconvenience will that be? Do you have alternative means of transportation? If not, how much of a financial hardship will it be for you to pay $30 per day to rent a car?

If you have addition questions about this or other auto insurance coverage, or to add this coverage to your policy, please call PoliSeek at 866-540-7335. We are standing by to help in any way we can!

When it is time to make an auto insurance claim, knowing how to properly navigate the process will save you time, frustration, and possibly even money. Here are some easy steps to follow that will keep your stress to a minimum.

• If you are making a claim due to an accident, exchange information with the other driver, including name address, phone number and insurance carrier.

• Insist on having an accident report filed, even if the damage appears to be minimal on the surface. If you later find out you underestimated the damage and you need to file a claim, you will be glad you have an accident report to refer to.

• Make sure you have the facts straight in your mind and write them down before calling your insurance carrier. Consistency is very important and time can cloud your memory.

• If there is a dispute, you will most likely be contacted by the other driver’s insurance company. Refer to your notes and be consistent with what you tell them.

• Contact your insurer as quickly as possible and file a claim whether you are at fault or not. Your insurance carrier will likely attend to your needs long before the carrier of the other party. They will also pursue the claim on your behalf if the other driver is at fault.

• If your claim is in reference to vandalism or theft as opposed to an accident, you need to report the incident and have a police report filled out in order to expedite the process and have your stolen items replaced or your car fixed.

Once your claim is approved, an adjuster will come by to determine the damage and refer you to an auto body shop that can fix your car and get you back on the road. The claims process can be a difficult one, but following these steps can make it as close to hassle-free as you can get.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

Traffic tickets can end up costing you more than a fine and points on your license. They can also raise your insurance rates and potentially cost you hundreds of dollars every year. However, the precise effects traffic tickets will have on your insurance rates will vary.

Usually, a single, minor, traffic ticket will not seriously impact your insurance rates. Getting two or more in a three year period is another story, however. When you accumulate traffic tickets, your insurance company considers you a higher risk to insure and they raise your rates accordingly. Because your traffic tickets paint a picture of what kind of insurance risk you are, more severe tickets (such as drunk or reckless driving) result in higher increases in your insurance payments.

The good news is, these increases do not take effect right away, and are not permanent. Your insurance company will typically only raise your rates for traffic tickets when they review your driving record and see your traffic violations. Typically, this only happens once per year and/or when your policy gets renewed. After that, your rates will be adjusted back down after three years.

In the meantime, if you want to keep your insurance rates low, you must keep traffic tickets off of your record. The easiest way would be to drive safely. But, if you do get a ticket, you should check what deferment options (such as traffic school) are offered by your state to keep the traffic ticket off of your record.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.

This content is offered for educational purposes only and does not represent contractual agreements. The definitions, terms and coverages in a given policy may be different than those suggested here and such policy will be governed by the language contained therein. No warranty or appropriateness for a specific purpose is expressed or implied.