Summer Fun & Insurance
Summer Travel Insurance Tips and FAQ
Summer is a wonderful time of year to enjoy outdoor activities and take a much-needed break from work. However, it's important to remember that accidents can happen, and unexpected events can occur that may put a damper on your summer fun. That's why it's important to review your insurance coverage before embarking on any summer adventures.
Every year, our office gets a lot of calls from our clients asking about their summer activities and how it might affect their insurance. Here’s answers to some of those FAQs: 🌞
Road Trips & Insurance
Can I rent a car?
Your personal auto insurance coverages carries over to your rented car. Even if it is from a private rental company (Turo, etc). If you have “full coverage” on your personal vehicle, you have it on your rental car. What is not covered is the rental car company’s “Loss of Use”. This is what a rental company could have made from that vehicle if it wasn’t damaged. If you’re in an accident with a rental car, and it is undrivable, the rental company could charge you for the time it is in the repair shop.
Review your auto insurance coverage before taking a road trip.
If you plan on taking a road trip, it's a good idea to review your auto insurance coverage. Make sure you have enough coverage for liability, collision, and comprehensive. You may also want to consider adding roadside assistance coverage, which can come in handy if you experience car trouble on the road.
International Travel
Do I need Travel Insurance?
Planning a big family vacation is expensive! What if someone is sick or injured right before the trip and cannot go? What if there’s an event that causes your flight to be canceled? What if you’re stuck in a foreign country? These are all situations that travel insurance can help with. The cost of travel insurance depends on the length of the trip, how in your party, the location, and the total cost of the trip. Instead of having the airline, cruiseline, hotel, etc each have an additional charge through their websites, you can have a travel insurance policy that covers the entire trip.
Check if your insurance policy covers theft or damage to personal belongings while traveling.
If you plan on traveling during the summer months, it's a good idea to check if your insurance policy covers theft or damage to personal belongings while traveling. Home insurance policies cover your personal items anywhere in the world, some limits do apply.
By taking the time to review your insurance coverage before the summer season, you can help ensure that you're protected from unexpected events and enjoy your summer to the fullest. As always, if you have any questions or concerns about your insurance coverage, don't hesitate to reach out to your insurance agent for assistance. 🌞
