Renting a Car and Auto Insurance

It’s easy to forget how many benefits come with an auto insurance policy if one gets a comprehensive coverage plan for their vehicle. However, it becomes really clear what one is missing if instead, a driver chooses strict liability coverage just to meet the North Carolina insurance requirement minimums for public roads. Comprehensive coverage auto insurance doesn’t just protect from a variety of vehicle-related risks, it also tends to extend coverage to other vehicles a person drives, including rental cars.

Normally, if one goes to a rental car agency in Matthews, NC or elsewhere, the company will push its own coverage plan for temporary protection of the car or then hold the driver personally responsible for any damage. And if you think that’s avoidable, just a windshield crack from a flying pebble can be a $100 to $200 is costs to repair. So drivers end up having to take out a plan. However, if one has it included in his comprehensive coverage already in place, then the claim just goes to the personal auto insurance policy to address. And that can avoid a big, sudden expense at the end of a trip.

On the other hand, if your coverage for personal driving is the bare minimum, then it is unlikely that your auto insurance addresses coverage with a rental car as well. Such plans tend to be vehicle specific, but this is not a fast and solid rule. According to the folks at JC Demo Insurance Group, it varies from company to company, so the sure way to know is to read the terms of a coverage policy before renting a car.

For those in Matthews, NC who travels a lot by car, rental cars may just be a necessary fact of life. In that case, you should talk with the folks at JC Demo Insurance Group to make sure your coverage is inclusive of rental car use. You don’t want to be surprised after the fact.

Can You Insure an Inoperable Vehicle?

At JC Demo Insurance Group, serving the Matthews, NC area, one of the questions that we have been asked multiple times is whether you can insure an inoperable vehicle. Here is the information you need to know about this topic. 

What an Inoperable Vehicle Is

An inoperable vehicle is a vehicle that currently cannot be operated on the roadways. It may be unable to pass smog or emissions testing, it may have been involved in a car accident, or it may need parts repaired. 

If an Inoperable Vehicle Can Be Insured

An inoperable vehicle can be insured. Most insurance companies do offer insurance specifically for inoperable vehicles. This takes into account the fact that the car is sitting and not be driven, which greatly reduces the liability costs associated with the car. However, some companies do not differentiate between operable and inoperable cars when providing auto insurance, so be sure to ask whether the company offers inoperable vehicle insurance or not. 

The Benefits of Insuring an Inoperable Vehicle

There are many benefits to insuring an inoperable vehicle. The top benefits are that your car is covered from theft, fire and vandalism when you have comprehensive or full auto coverage on the car. While your car is not being driven, and as such, is not likely to be involved in an accident, these other factors are much more likely to happen. Insuring the car helps to ensure that you are financially covered in the event one of these elements occurs. 

If you are looking to insure an inoperable vehicle, JC Demo Insurance Group, serving the Matthews, NC area, is here to assist you. Call us today to get answers to any of the questions you may have or to get a free estimate for auto insurance.