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Protected Traveler

Summer is long over and most of our travel and vacations have come to an end.

For now.

Holiday travel is quickly approaching. Some trips might just be a drive down the street, while other holiday travel might take you to another country.

Do you know if you need travel insurance?

Do you know why you need travel insurance?

Travel insurance can minimize financial risks associated with travel – especially out of the country. Often times the minute we leave US soil, health insurance says goodbye and you are on your own if you get sick or injured. Travel insurance can help protect you in instances of accident, illness, missed flights, canceled tours, lost baggage, theft, terrorism, travel-company bankruptcies, emergency evacuation, and getting your body home if you die. For some travelers, getting travel insurance is a no-brainer and something they do for every trip. For others, it is something they pass-up without hesitation, thinking “nothing will happen to me.” This isn’t a scare tactic to force you into getting travel insurance. We just want to educate you on why it might be beneficial. Are you willing to take certain risks when you spent a ton of money on a big trip?

Getting travel insurance through Susman Insurance is easy. You can speak to us directly or get a quote online. All we need to know is your destination, departure date, return date, age of travelers, zip code, trip costs, and the type of product (insurance) you need. EASY!

Everybody loves to travel and deserves the peace of mind knowing that even on vacation, you are protected.

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Take Advantage

Today was my last day of vacation. Bright and early tomorrow, I will put the tires to the road again and head back home.  Back to the grind.  Back to ‘normal.’ I have never been to Kentucky, or anywhere that far south, but I was told it is absolutely beautiful – and what I was told was correct!. There are so many places that I am fortunate to see and visit due to my career and significant other, that I am not sure I would have gotten the chance otherwise. For that, I am truly grateful. As cheesy as it sounds, I am at a point on this tour where I am recognizing the importance of not taking anything for grated and making sure that I take advantage of every awesome opportunity given to me – and I am being given a ton of new opportunities. In life in general, we shouldn’t take anything for granted. What we have in one moment could be gone in the very next. Yes, it is important to look into the future and plan accordingly, but we also need to pay attention and give proper affection to the people and things that are right in front of us. Tell the people that surround you how you feel today. Don’t take them for granted or lose the opportunity you are given to spend time with them. Life is short. Take advantage.

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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.

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Vacation checklist

Vacation checklist

A vacation is your time to relax and enjoy life.

Use our h andy vacation checklist next time you go away on vacation so your mind can really stay where it belongs – a million miles away.

  • Make sure all electrical appliances are turned off.
  • Clean the refrigerator of all perishable foods, and take out the garbage.
  • Lock all windows and doors.
  • Arrange to have the newspaper and mail held until your return, or have them picked up by a trusted neighbor.
  • Arrange to have your lawn mowed (or snow shoveled) while you’re away. Ask a neighbor to set out your trash on collection day and then retrieve empty cans and recycling bins the same day.
  • Let a trusted neighbor know you will be away and have them keep an eye on your home. It’s a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.
  • Never leave your house key hidden outside your home.
  • Set timers on interior lights.
  • Make sure to unplug televisions, computers and appliances susceptible to lightning and power surges.
  • Advise your alarm company and local police if you will be gone for an extended period.
  • Store jewelry and valuable items in a safe-deposit box.
  • Arrange for the care of pets.
  • Set the heating system to provide minimum heat of 55 degrees.
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Why I love travel insurance

Every person loves to take a vacation far from home once in awhile. They will spend days packing their bags and making sure all of their travel tickets are in order. There is one thing that all travelers should consider buying and that is travel insurance.

Benefits of Travel Insurance

  • Travel insurance will pay to replace your baggage in case it is lost or stolen. Make sure to check for any restrictions that may apply.
  • If you ever get hurt while traveling you will have coverage. After all you do not want to have to pay out-of-network expenses.
  • Cancelation of Trip benefit reimburses your funds in case your trip ever gets canceled.
  • Legal costs are provided in some cases if you end up in some kind of lawsuit.
  • Sometimes the policy will also pay for a hospital stay and even transportation to the facility.

You do not want to get to your destination only to hear that your luggage ended up in some other country. Travel insurance will give you the peace of mind that you are covered in case your trip is disturbed by outside forces. Find out all you can about travel insurance before you buy a policy so you can find the right one for your trip.

Susman Insurance Agency

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