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3 Things You May Not Know About Rental Car Coverage 

Experiencing a car accident is stressful enough on its own. Add to that the possibility of medical bills, car repair bills, and the cost of renting a vehicle while yours is in the shop, and you’ll definitely feel overwhelmed. However, with rental car assistance or reimbursement, you may not have to worry too much about the latter. Here are 5 things you need to know about getting a rental car after an accident. 

It’s Not a Guarantee

Your ability to get a rental vehicle while yours undergoes repairs depends on a few different factors. First, do you even have this add-on in your policy? The add on that allows you to get coverage for a rental vehicle after an accident is called rental reimbursement coverage, and as an optional coverage, it is not automatically included in your auto insurance. However just because it’s optional does not mean you should go without it. 

Second, who was at fault for the accident? If it was deemed to be you, see the paragraph above. If you are not at fault, you will be dealing with the other driver’s insurance provider to handle the claim. The other driver’s insurance provider should give you a rental car that is comparable to the one that was damaged in the accident.

The Loss Must Be a Covered Loss 

Rental reimbursement coverage cannot be used if your vehicle is in the shop for routine maintenance or any cosmetic work such as paint or other voluntary modifications. Even if it is in the shop for a few days, you cannot apply for rental reimbursement coverage in this instance. You also cannot utilize the coverage if you are taking a trip and renting a vehicle – unless you are renting a vehicle because your own is being repaired after an accident. As long as the loss is being covered by your auto insurance, you are free to use your rental reimbursement coverage. 

It’s Not as Expensive as You Think 

Car rental company Enterprise reported that the average American drives 3-4 different places per day, and the average length of time for a vehicle repair is two weeks. Renting a vehicle can cost upwards of $300 a week, depending on the size. However, a year of rental reimbursement coverage usually costs less than a single day of a rental car payment. Although there are limits, in the long run the benefits truly outweigh the costs.

How to Make a Car Emergency Kit

Whether it’s a flat tire or a run-in with a winter storm, a vehicle emergency can really catch you off guard. The first step you should take in creating a road emergency plan is to give your insurance agent a call. Many insurance carriers offer roadside assistance services as a policy add-on, if it is not already part of your auto coverage. Often, available roadside assistance services will include towing, battery jump-start, flat tire change, fuel delivery, lockout service, and winching service. Your agent will be able to tell you if you can benefit from your auto insurance carrier’s roadside assistance coverage or assist you with adding it to your policy.

There is no such thing as being too safe, and you should still consider creating a car emergency kit in case your roadside assistance is delayed or unavailable for some reason. Here are some items you may want to include in your own kit.

Tools to Fix Your Vehicle

Say you get a flat tire. Perhaps your cell phone has died and you don’t have a car charger or you’re in an area with no cell service. In this case, you will not be able to contact roadside assistance, and it’ll be up to you to get out of the emergency situation. You can be prepared for this possibility by having a car emergency kit that includes items such as a properly inflated spare tire, tripod jack, and wheel wrench. It’s always a good idea to include jumper cables in your kit as well, and don’t forget a reflective vest and reflective triangles that will make you visible to passing cars as you walk around your vehicle making repairs.

Supplies to Prepare for Anything

Speaking of dying cell phones, your emergency kit should definitely include a car cell phone charger or even a portable charger. The latter, also called a power bank, is a device you “power up” at home and can use anywhere to charge your cell phone. These power banks can hold charge for several months if fully charged once and kept at room temperature. This may be an issue if you park your vehicle outdoors, but you can rectify the problem by regularly recharging your power bank and placing it back in your vehicle for storage. Consider also including a basic first aid kit, flashlight with replacement batteries, water bottles, and nonperishable, high-energy foods such as protein bars and nuts.

Emergency Phone Numbers

Even if your cell phone dies, a passerby may pull over and have a phone you can use. If this happens, you’ll want to be able to access phone numbers for your roadside assistance service, insurance agent, or an emergency contact. Have these numbers typed or written on paper that you can keep in your glove box instead of keeping them only on your cell phone.

Cold Weather Specific Items

If you live in an area with lots of cold weather, it’s a good idea to take this into account when putting together your emergency kit. A shovel and ice scraper are useful tools to have, cat litter helps provide tire traction, and you’ll likely need warm clothing and blankets if you are stuck for a period of time.

What Else Can You Do?

Practicing responsible car care is the best way to ensure your vehicle won’t get into any emergency situations. Unexpected situations do arise, but some emergencies can be prevented. Keep up with your vehicle’s maintenance and always keep a full gas tank. And remember – be sure to check with your agent first and foremost to find out about securing roadside assistance through your auto insurance carrier.

What to Do If Your Car Is Stolen

Remain Calm

If you believe your car has been stolen, your immediate response is likely to completely freak out. This is understandable, but there is a chance you could be mistaken. It is possible that your car was towed or even that your teenager took it without asking. Make a few calls to local towing companies to see if your car is with them. If you determine that your car was, in fact, stolen, you must still remain calm so you can follow the correct procedures.

Call the Police

This is your first step once you know your vehicle was taken. To report your car as stolen, you will need to provide facts that the police can use to identify your car. This information includes a detailed description of the vehicle including make, model and year, color, and any unique features such as bumper stickers or dents. You will also want to have your license plate number and vehicle identification number (VIN) on hand to provide to police. If you don’t know these off the top of your head, consider keeping a note of them in your wallet or cell phone. It’s especially important to contact police right off the bat, since many carriers will not honor a claim unless a police report is filed first.

Contact Your Insurance Agent

After filing a report with the police, it is time to file a claim with your insurance. Only a comprehensive auto insurance policy offers coverage in the case of theft, but even if you do not have this policy it is a good idea to notify your insurance agent about the incident. By notifying insurance, you may still be able protect yourself against any damage that occurs to persons or property while the vehicle is in possession of the thief or thieves. You will want to have at hand the same vehicle information you provided to the police, as well as items such as the title, a list of the location of all keys to the vehicle, a list of any personal property that was in the vehicle, the police report number, and contact information for your finance or leasing company. You provide the information, and your agent will take care of the rest.

Final Steps

After taking the initial steps to report the theft to police and involve your insurance agent, you will want to tie up any loose ends by notifying other parties that have an interest in your vehicle. Your agent will likely take care of this, but you can also place a call to your finance or leasing company. Report the theft to the DMV as well.

You should continue working with your insurance agent to see about rental vehicle coverage, but the only thing to do once all these steps have been completed is to wait. Your car may be recovered, but unfortunately there is a chance it may not be. Your agent will be there by your side throughout the process, whatever happens.

Teens and Distracted Driving

Starting to drive is one of the most exciting experiences for teenagers, but it can also be one of the most dangerous. According to the CDC, teenagers are the most likely age group to get into a traffic accident. Teens are more likely to speed and less likely to wear seatbelts than older drivers. They are also much more likely to become distracted while driving, resulting in a much higher potential for injury-causing or even fatal accidents. What are the most common distractions facing teen drivers, and what can be done?

Cell Phone Usage

Perhaps the most obvious cause of teen distracted driving is the use of cell phones while on the road. Cell phone use while driving is illegal in some states, but many people–especially teenagers–still engage in it. Both talking on the phone and texting are dangerous for the teen driver, and many teens will even open and use social media apps while driving. Distracted driving causes 15% of all injury-causing accidents, so as the most susceptible to distracted driving, teens should be made highly aware of the potential consequences of their actions.  

Talking on the phone can cause mental distraction and manual distraction, and even hands-free conversation methods can cause distraction. Texting while driving is much more dangerous, as it causes mental, manual, and visual distraction. Taking your mind off the road is never good, but focusing your mind, hands, and eyes elsewhere is an incredibly dangerous combination. When you are distracted in these ways, reactions to potential dangers are much slower or may be completely missed.

Other Distractions

Cell phones are a serious distraction for teen drivers, but they are not the only source. Anything that takes your hands off of the wheel and mind or eyes off of the road can cause an accident. This includes activities such as eating, changing the music, applying makeup, and interacting with passengers. This last is perhaps the most dangerous of all. Studies have found that teenagers’ chances of a crash increase significantly with each additional passenger in the vehicle. This is especially true if the fellow passengers are teen peers.

Solutions

It is important for parents to share the dangers of distracted driving with their teenage children, but it is even more important for adults to model responsible driving behavior. Teens will not heed warnings against phone usage or other risky activities if they regularly see their parents engaging in these behaviors.

There are also some mobile apps that will prevent cell phone usage while a car is in motion or when manually enabled before driving. These apps can be a good way to help teens become accustomed to leaving their phone alone while driving, so that in the future they can practice self control on their own.

Be Prepared

Educating teens about distracted driving and helping them find ways to combat these dangers can greatly help reduce teenage traffic accidents. However, we cannot control everyone on the road, and even the safest drivers can experience a collision. Make sure you and your family is covered in the event of a car accident with the right auto insurance.

6 Ways to Know if Your Brakes are Failing

Brake failure is easily one of the most dangerous malfunctions that can occur in your vehicle. There are many reasons why brakes fail, but even if you aren’t a mechanic, you should know the signs of brake failure so you can get your car serviced as soon as you start noticing them! Here are six ways to know if your brakes are starting to malfunction.

YOUR BRAKE PEDAL HAS FALLEN

A falling brake pedal is one of the classic signs of brake failure. When your brakes are in good condition, your pedal will stay in the same position every day. If it falls toward the floor, it will be impossible not to notice. This means that your brakes are likely out of adjustment, and it could mean that there is a mechanical failure or air in your vehicle’s system.

YOUR BRAKES ARE SQUEALING OR GRINDING

Brakes that squeal or grind aren’t just nuisances. They’re actually a pretty serious problem, because these noises can indicate that your brake pads are wearing thin and/or that the brake is worn all the way down to the rotors.

YOUR BRAKE PEDAL IS VIBRATING

When we say vibrating, we don’t just mean the slight shudder caused by your anti-lock brake system (ABS)  when you slam on the brakes really hard. We mean a shudder that happens when you hit your brake normally, often accompanied by a chattering noise and a hard-to-control steering wheel. The chattering sound is usually produced by warped rotors, which the brakes can’t clamp onto as easily to stop the vehicle.

YOU THINK YOUR ALIGNMENT IS OFF

If your car is pulling to one side or the other when you brake, don’t automatically mistake it for a slight misalignment! If you notice the pulling only when you apply pressure to your brakes, it could mean that one of the car’s wheel cylinders or calipers is seized or frozen. It could also mean that you have fluid leaking on the brake pads or shoes.

YOU HAVE TO HIT THE BRAKES HARDER

If you begin noticing that you have to press your brakes harder than usual to slow down or stop, it could mean that one of your brakes or an axle isn’t performing the way it should. Don’t let this continue for awhile; call your mechanic and bring your car in for a checkup as soon as possible.

WHAT TO DO

If you think your brakes are failing, it is imperative that you get your vehicle checked out as soon as you can. Properly functioning brakes can do more than save you from a fender-bender and an insurance headache – they can save your life.

How to Handle a Parking Lot Accident

Parking lots are considered one of the most dangerous places to drive for a reason. With limited visibility, crowded spaces, and mediocre signage, parking lots are hot spots for fender benders on a daily basis. When an accident happens in a parking lot, there are typically three characters who have an important role to play in resolving the wreck quickly and calmly: the driver, the victim, and the witness. Here, we break down what you should do in this situation according to your role:

If You Are the Driver

As the offending driver, there are several scenarios you can find yourself in here. The number one thing to remember is, no matter what, don’t drive off! You may be panicking and thinking you can get away with it, but hit-and-runs are pretty serious offenses in most states, and parking lot surveillance cameras are more common than you’d think.

If the car was parked, go inside the establishment and try to track down the driver. The best way to do this is to get a customer service representative to describe the victim’s car and make an announcement over the intercom. If the driver doesn’t appear, it’s time to take all the matters into your own hands. If the damage to the car is as minor as a scratch or small dent, write a note that includes your name, number, and explanation of the accident and secure it onto the other driver’s car. If the damage is more extensive, call the police to come document the accident in the parking lot. This professional documentation helps police track down the other driver, and it can protect you in the long run when it’s time to file an insurance claim.

If You’re the Victim

If your car is the one that got hit, it is important to contact your auto insurance agent as soon as you can. The faster an accident is reported, the more accurate the claim will be. If the other driver is still at the scene, make sure you write down their name, phone number, driver’s license number, address, and insurance company.

Whether the other driver is still there or not, record evidence of the accident. Take pictures of the damage and look for witnesses in the parking lot. Before you leave, go into the store and ask the manager if he or she has any security camera footage you can check. If the other driver left, this last step can help you and the police track them down!

If You’re a Witness

As a witness, you may feel like you aren’t involved in the accident, but you actually play a very important role here. If you see a parking lot accident happen, you should provide assistance to the victim and driver. If the offending driver drove away, then help the other driver document the damage. Also provide them with your contact information so the police or insurance company can contact you later if needed. Having a witness on hand can really help the victim later on. It isn’t against the law to turn your head and not help out, but it is the right thing to do and a generally accepted social rule to stop and help if you witness an accident.

How to Teach Your Teen to Drive in Wet Conditions

Every driver’s safety hinges upon their skill behind the wheel. If it is your first time training a teenager on how to drive in the rain, it’s a good idea to teach them everything they need to be aware of both before and during the driving session. Many of these are things that experienced drivers do on autopilot every time it rains, so it may be easy to forget to teach a young driver.

We’ve put together some important points for you to include in your training, so your teen doesn’t have any unpleasant surprises when he or she hits the road in the rain.

Before Hitting the Road: Know What to Check For

How Are the Tires?

  • The car you have your teen driving probably has tires that are in good condition, but teach them how to measure a tire’s tread using a gauge anyway. When they’re out on their own, they need to know that a worn down tire doesn’t have enough tread depth to evacuate standing water from between the road surface and the tire. They should know how to tell when it’s time for a replacement.
  • Also teach them how to check the pressure. Tires that have too much or too little pressure can lead to reduced traction, early tread wear, or tire failure.

How is Your Visibility?

  • Show your teen how to check the quality of their windshield wipers. If they leave streaks across the windshield, they are probably old and worn down. Good windshield wipers are critical for being able to see clearly in heavy rain.
  • Make sure your teen understands how important it is to run their headlights in the rain. Many experienced drivers still don’t abide by this rule of the road! Being seen by other cars is arguably one of the most important parts of driving in the rain. Show your teen how the daytime running lights, while useful, don’t activate the rear tail lights. Without rear tail lights, it can be difficult for other drivers to see your teen’s car in heavy rain, and their chances of getting struck from behind are increased.

On the Road: Things to Always Keep in Mind

  • Slow down! Driving slower in the rain is crucial, especially when it hasn’t been raining for very long and the fresh water is mixing with slippery “road sludge.” A wet, slick road surface offers less grip compared to a dry surface, and braking distances can double.
  • Teach your teen to use the air conditioner to keep their windshield from fogging up. The A/C dehumidifies the car and keeps the windows clear. If the A/C doesn’t work, tell them to crack the back windows to allow air to circulate.
  • Make sure your teen understands how longer braking distances can really put them in danger driving in town or on the interstate. They should know to keep a further distance from the vehicle in front of them, so they have plenty of time to stop if traffic suddenly slows down.
  • Teenagers can be nervous and use jerky movements while driving. This will improve over time, but make sure your teen knows that smooth steering inputs are paramount, especially in the rain. Jerky or rushed steering can cause loss of control on a slick road. Show them how important it is to always look far ahead and anticipate every action they’ll take on their journey.

Everyone was a new driver once, but it is evident by the amount of needless accidents that not everyone was properly taught. Rainy weather is one of the most dangerous conditions to drive in, but making sure that your teen is prepared and confident will give you both peace of mind and decrease their likelihood of getting in an accident. If your teen hasn’t started driving yet, make sure they’re prepared to legally hit the road with car insurance!