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Rental Car Insurance

Rental car

There are more options for renting a car than ever before. In the past, you simply selected a vehicle from one of the many brick-and-mortar car rental companies found at airports, train stations or other locations. Today, technology has made possible other alternatives, including peer-to-peer car services, which enable consumers to rent personally owned cars from others; and car sharing programs in which—for a monthly or annual fee—consumers can pick up a vehicle at a wide range of locations for periods ranging from minutes to days.

While these car rental options mean more choice for consumers, they mean more questions about insurance coverage. Fortunately, it is possible to be properly insured when renting a car without wasting money by purchasing duplicative coverage.

The insurance coverage offered by traditional car rental companies is fairly standardized. However, coverage varies widely amongst other types of car sharing programs. The most important step is to read the car rental/sharing agreement—most companies clearly state what is covered as well as the supplemental coverage that can be purchased.

Regardless of the rental car option, the I.I.I. suggests making two phone calls:

The first, to your insurance company, to find out how much coverage you currently have on your own car. In most cases, whatever coverage and deductibles you have on your own car would apply when you rent a car (providing you are using the rental car for recreation and not for business).

If you have dropped either collision or comprehensive on your own car as a way to reduce costs, you may not be covered if your rental car is stolen or damaged. Insurance rules vary by state, so it is best to check with your insurance professional for the specifics of your policy. Check to see whether your insurance company pays for—or provides a rider for—administrative fees, loss of use or towing charges.

The second, to your credit card company. Insurance benefits offered by credit card companies differ depending on the company and/or the bank that issues the card, and the level of credit card used (a platinum card may offer more insurance coverage than a gold card). However, most credit card only provide limited coverage, such as covering the deductible if there is a claim.

To know exactly the type and amount of insurance that is included, call the toll-free number on the back of the credit card you will be using to rent the car. If you are depending on a credit card for insurance protection, ask the credit card company or bank to send you their coverage information in writing.

In most cases, credit card benefits are secondary to either your personal insurance policy or the insurance coverage offered by the rental car company.

Brick-and-Mortar Car Rental Insurance

Consumers renting from traditional car rental companies can generally choose from the following coverages (Note: insurance is state-regulated; the cost and coverage will vary from state to state.):

Loss Damage Waiver (LDW) Also referred to as a collision damage waiver, an LDW is not technically an insurance product—it is designed to relieve or “waive” renters of financial responsibility if their rental car is damaged or stolen. In most cases, waivers also provide coverage for “loss of use,” in the event the rental car company charges for the time a damaged car cannot be used because it is being fixed. An LDW may also cover towing and administrative fees. The Loss Damage Waiver may become void if the accident was caused by speeding, driving on unpaved roads or driving while intoxicated.Comprehensive/collision auto coverage generally covers damage to a rental car. Keep in mind, however, that in most states diminished value is not covered by personal auto insurance policies.

Liability Insurance By law, rental companies must provide the state required minimum amount of liability insurance coverage—generally this figure is low and does not provide much protection. (See State minimums here.)A standard auto insurance policy includes liability coverage. For additional protection, consider an umbrella liability policy. Non car-owners who are frequent renters can also purchase a non-owner liability policy, which not only provides liability protection when renting a car, but also when borrowing someone else’s car.

Personal Accident Insurance This covers the driver and passengers for medical and ambulance bills for injuries caused in a car crash Health insurance or the personal injury protection (PIP) provided by your auto insurance will likely cover medical expenses.

Personal Effects Coverage This provides insurance protection for the theft of items from a rental car.A homeowners or renters insurance policy includes off-premises theft coverage. If you frequently travel with expensive items such as jewelry, cameras, musical instruments or sports equipment, consider a personal articles floater to protect your valuables at home and while traveling.

Car Sharing and Peer-to-Peer Car Rental Insurance

The insurance offered by these companies is not standardized. It is therefore important to go to the company’s website to read the insurance coverage information carefully. If you have any questions, call the customer service number listed on the website. And contact your auto insurer if you feel you need more information to make an educated insurance coverage decision.

Car sharing programs like ZipCar, generally include insurance costs in the fee. However, if the car is involved in a collision or is stolen, the renter may be billed for a specific dollar amount that is stated in the membership agreement. For an additional cost, customers can purchase a “waiver” to avoid paying the accident fee. Car renters under the age 21 should read the insurance coverage carefully as many programs limit coverage for young drivers to the minimum state required amount of liability. Young renters can look into whether their parents’ auto insurance would cover them for the difference, or purchasing their own non-owner liability policy.

A number of web-based peer-to-peer rental services (e.g. RelayRides) offer both basic coverage and supplemental insurance. The supplemental insurance includes both coverage for damage to the car and liability protection, and provides a choice of coverage amounts and deductibles. Renters who do not purchase the additional insurance are required to sign an agreement stating that they declined the coverage.

From this source http://www.iii.org/article/rental-car-insurance

Choosing The Best Tyre Shop For Fittings And Repairs

It is necessary to take good care of your tyres in order for you to enjoy a smooth and safe drive. It actually does not matter what type of vehicle you own. Whether it is a sports car, family car, classic car, luxurious vehicle, or an off-road vehicle, the right services from a tyre shop can help your wheels to remain in good condition.

For repair or fitting, it will not be a good idea to use a do-it-yourself approach, especially if you are not familiar with the process. For that reason, you must always find an expert who could do the job properly.

Importance of Tyre Repairs

The wheels of your vehicle work really hard; sometimes, they are still working even in adverse weather conditions. This is why your tyres should be in good shape all the time and have them repaired if necessary. However, you need to be careful in choosing a tyre shop that will do the repairs. It has to be a reputable shop in order for you to get your moneys worth. Therefore, you must take time in choosing the right auto shop.

Getting the Best Service Provider

A wheel and tyre fitment centre is probably the first place that you will visit if you encounter a problem with the wheels of your car. If you choose the best service provider in your area, you can be confident that the professionals in that shop will analyse the problem first, and then they will provide you with the best recommendations. They would either recommend you to change or simply repair it.

Maintenance of your wheels is an essential part to make sure that your vehicle will run as smoothly as possible. You can get many benefits when you land an established shop for maintenance and repairs. Basically, it may lessen the number of accidents on the road if the tyres are in pretty good condition.

There are different products and services offered by a tyre fitment shop, including:

- Budget and economy tyres

- Branded tyres

- Premium tyres

- Commercial and plant tyres

- Alloy wheels

- Mag wheels

- Wheel alignment

- Replacement services

- Fitting services

- Rim repair

- Accessories

You should look after your wheels at all times because they are a crucial aspect on the overall function of your car. You should do a proper research first before choosing a tyre shop. If you are lucky, you could even find some testimonials about them online.

Atlantas Finest Limousines

1. Party Bus

Using Luxury Road Events for party bus rental in Atlanta is a great choice for those who want to travel around the city in large groups with plenty of space. Luxury, class and comfort are the core of this type of limo. Party buses have become more of a trend over the years, and theyve been appealing to people from different age groups. Thats because inside, you can have your own private party on the way to the real party, or even after leaving it. You can celebrate it in lots of ways food, drinks, games, TV, music, karaoke, etc. all while having a safe and convenient ride to and from the event.

If its your birthday bash or bachelor/bachelorette party, this is the perfect way for you and your entourage to keep the night lively for as long as possible. You can say goodbye to those dull or uneventful travels on the road. You can disregard the need for cabs or designated drivers.

Provided you make a reservation, know the number of passengers, ensure no one under 21 will drink, choose the right bus and bring your own music or CDs, youll be guaranteed a completely fun-filled party bus experience that will make the whole occasion truly unforgettable.

2. Stretch Limousine

This is a vehicle that really knows how to make an entrance. If youre getting dressed to impress, you can kick it up a couple more notches by riding in a stretch limo. Imagine how much buzz it can create at prom nights? The feeling of being a prince or a princess is enhanced with these limos. Its the sense of extravagance knowing that some good money has been spent for the ride that highlights how special the event or the passenger is.

The stretched form of the car is what makes it look sophisticated and appealing. It catches peoples attention and makes them wonder whats inside. How many people can fit? Is there a wet bar or TV set? Do the seats form some sort of arc with a table in the middle? Those are some of the questions that onlookers may be thinking while trying to see through the tainted windows. Indeed, these limos are intriguing.

3. Ford Expedition

This limo bears quite a resemblance to the Stretch Limousine. Its also stretched in form but has a more corporate feel. In a way, the Stretch Limo and Ford Expedition look like a Beetle and a van respectively, with the middle section of each being stretched.

The Ford Expedition is a practical choice for a group of colleagues to journey together on a business trip. Thats because theres a lot of space for them to do more than just eat or drink. They can play games as well. They may use their computers and discuss work-related matters.

With one of these vehicles, youll be provided a swanky form of transportation that your business partners, coworkers or employees will surely enjoy.

4. Cadillac DTS

If you look at a Cadillac DTS and feel it displays prestige and importance, that feeling makes complete sense. President Obama himself rides around D.C. in a Cadillac limo. His happens to be bigger and heavily armored, which is why it weighs a ton. In fact, its likely large-size Goodyear run-flats, which are Kevlar-reinforced, that are the kind of tires needed to get the vehicle moving.

If you want to travel around Atlanta feeling a little bit like the president, this is the type of limo we recommend.

Small Hovercraft Hull Material

In the early days of personal hovercraft manufacture fiber glass was used extensively to build hulls in just one piece. For one thing, the material is very light and so the power to weight ratio is well taken care of. Of course, bigger craft have by necessity hulls made of stronger and more rigid materials, such as aluminium or composite polyester construction, but the particular design characteristics of personal air cushioned craft for leisure use means that certain plastic scan be used. The huge disadvantage of GRP is that it split when hit with a hammer, or when it comes across an obstacle in it's path. It's expensive to repair and takes time.

Many manufacturers are turning to new materials that are in tune with the small hovercraft requirements, namely, lightness, robust and maintenance free. High density expanded plastic delivers all of the above and more - see diy hovercraft kits. As an added bonus, it can be supplied in any color that's requested - the dye is simply added to the plastic granules before the hull is cast, so there's no paint to upkeep and worry about. Hence, it is maintenance free. Most personal vehicles are less than four metres long, so it's possible to mold the hull in one piece, which saves a lot of time in the manufacturing process. Holding bays for engines and other important fitments can be designed right in, without having to worry about fabricating extra pieces later.



One manufacturer of leisure hovercraft present demonstrations where he repeatedly bashes one of the company's hulls with a ball pein hammer. Of course, the ball of the hammer dents the plastic and if were mine I wouldn't be too pleased, but the point is there is no splitting and no extensive damage beyond the point of impact. No expensive repairs are needed or even necessary, which represents a big advantage for prospective buyers and family men concerned about the safety of their kids, for example.

The concept of monocoque construction lends itself beautifully to hovercraft manufacture. All the holes for steering linkage and engine housing are simply factored in and the steel mold is machined ready for production. Plastic molds are expensive, and are intended for runs of many finished parts, not just a one off, unless it's a prototype. Even cupboards and other accessible areas will be present in the finished article. As the plastic expanded material has the consistency of wood, fitments can be fixed using special marine screws.

A Regular Marine Battery And Deep Cycle Marine Battery Explained In Detail

There are several different kinds of lead acid batteries that vary from the standard car battery, and quite a few people are confused by the differences. There are marine batteries, made for use in boats, and a marine deep cycle battery that are made for use in boats especially to run appliances or trolling motors. These two types of batteries differ from car batteries in several key areas that are very important for their care, maintenance, and usage, let's take a look now.

The Marine Or RV Designation Involves The Construction Inside

Many people that have never opened up a lead acid battery and looked inside will tell you that RV, marine and automotive batteries are identical, well they're not. A regular automotive battery can't take the same abuse physically that a marine battery is made to handle.

Face it, when you're in a boat slamming the waves hard it rattles the fillings out of your teeth. In addition to that, many times the bow of the boat is pointed straight up into the air one minute, then nearly straight down the next. A car battery isn't made to handle that on a consistent basis and will fail earlier than a real marine battery.

The reason is that the lead plates inside the batteries are built differently in order for the marine battery to take all of that pounding and not have the plates move together and short out. If you were to open up the two different types of batteries you'd notice the different layout of the plates and more reinforcements or spacers holding them apart in the marine battery.

The Marine Battery Construction Comes In Several Different Usage Models

Once you understand what the "marine" label designation really means for that type of lead acid battery, then you can better understand that there are several different types of marine batteries available depending on the projected use.

Some marine batteries are made to start the engines so they have a lot of cold cranking power much like a strong car battery would. They can withstand high power draws for 15 or 20 minutes to start the engines, then they want to be recharged again. However, they don't like to be drained all the way down in power, that's actually bad for them and can ruin them quickly.

A deep cycle marine battery is primarily made to run electric trolling motors, onboard refrigerators, electronic equipment, and other long-term, low-power draining. They can handle being drained nearly all the way down without harming the battery. However, they should never be used in a high drain application like starting a large motor, as that will cause a shortened lifetime and may not work to start the engine either.

And now when you go to buy your deep cycle marine battery you'll know exactly what you're looking for and won't be confused by the "marine" designation that you read. By getting the right kind of battery you'll get much longer usage and far fewer failures while boating.



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