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Holiday Crime

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Holiday Crime

Did you know that per police department statistics all over the United States, crime rates for theft and robbery increase dramatically during the holiday season? The time of year that is supposed to make people tankful, grateful, and feel more charitable, causes certain types of people to prey on those with gifts loaded into cars and piled under the tree.  Burglary, theft, fraud, harassment, stalking, alcohol induced violence, and many other issues and crimes kill the holiday spirit and can happen anywhere.  Be on the lookout for any suspicious activity.  Always make sure you lock your doors – at home, your business, and your car.  Don’t leave any shopping bags or personal belongings within clear view.  Keep some lights on when you are gone and avoid keeping curtains open so strangers can’t look inside.

The holidays should be a fun and happy time for you and your loved ones.  Unfortunately, reality has a mean way of reminding us that not everyone has the same respect for each other and that there are bad people among the good ones.  It is easy to get lost in all the shopping chaos and magic of the season – but just keep your eyes open a little wider and takes the couple extra steps to keep yourself and your loved ones protected.  Oh – and the presents.  You want to protect those too!

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Gobble, Gobble

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Here comes Thanksgiving!

In a few days we will all be sitting down with our favorite people (hopefully they rank among our favorites)  and eat all the delicious food.  However, there are the dangers of Thanksgiving that one must be aware of (cue ominous music). For example, the classic, “Who poisoned the sweet potatoes and marshmallows?” Or, or… you know, you could accidentally get a turkey leg stuck in your throat and choke. People have been known to display extremely gluttonous behavior on this wonderfully hazardous day!

Or…

A tribe of angry Native Americans could charge into your family gathering, wielding spears packed with the wrath of centuries worth of being misunderstood and segregated, then having a holiday created in their name depicting what really happened as something worth celebrating.

We are just kidding – we hope! We just wanted to give you a laugh and a smile, but also wanted to express the importance of the various types of insurance you need to protect you during the holidays – and on all days!  Happy Thanksgiving everyone!

Car Insurance on Rentals

When it comes to car insurance, there are a couple of traps you can fall into. The contracts are complicated and extremely difficult to underst and, and that’s if you even have the time to read them. The fact is that most people don’t read insurance contracts and there is a significant information shortage when it comes to consumers and the contents of their own insurance contracts.

One of the problems with this information gap is that it can lead to wasted money. Every time you rent a car you are asked what kind of insurance you would like. The options are generally to take none, which costs nothing, or you could cover liability insurance, which should cost about $10 per day. Then you have a variety of options to cover the rental cat itself, prices for which vary from company to company and state to state. The full coverage option, which includes liability, passengers, and the rental car usually, comes to about $25 to $30 a day. Most people genuinely don’t know what option they should be taking.

Liability

Liability insurance is the only insurance you are required by law to take out. All the others are optional. That’s the first and most important thing to remember when you’re at the rental desk, and the total price for your two-week vacation car is quickly adding up and up. The other thing to know is that in many cases, you will be covered, to some extent by your existing car insurance. You will have to check your insurance policy to make certain, but for the vast majority of drivers, they will have liability insurance by virtue of their own car insurance, and this will carry over to the rental car.

It is however, unlikely that full or comprehensive coverage will carry over from your own car insurance. This is because comprehensive insurance is calculated based on the value of your car. Insurers don’t want to be in a position where they set your policy based on your say, $15,000 vehicle, and then have to pay out when you crash a $40,000 rental. So your policy will state that only liability insurance is provided when you rent.

Credit Card Cover

You may still require no insurance from the rental company however. This is because many credit card companies, including both visa and MasterCard, offer this insurance if you pay for the rental with one of their cards. This is a major benefit of using a credit card and should not be wasted. Again you should check with your credit card provider what they cover, but the bottom line is, if your own insurance covers liability, and your credit card covers the rental car, why pay a couple of hundred dollars for extra insurance when you’re already covered?

If you are in doubt as to your insurance, it is wise however to take the rental company’s policy, especially liability.

Memorial Day

The office will be closed on Monday, however you can still call our main number 3108205200 for customer service or claims

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