Summer Travel Can Mean Rental Car’s

Do you need rental car insurance?

 

You’ve probably been at the rental-car counter, listening to the representative ask if you want to purchase the company’s insurance. And the thoughts start racing through your head. “Is this a rip-off? Doesn’t my regular auto policy cover me? What about my credit card? Why didn’t I figure this out before I left on my trip?”

 

At Freeland Insurance, we are here to help. And while not every situation is the same, we’ve got some general tips that will help you make an informed decision the next time you’re standing at that counter.

 

  1. Know your personal auto policy.

Because insurance policies vary, it’s a good idea to give us a call — before you rent a car — to make sure you have the coverage you need. In many instances, your personal auto policy will provide coverage for a rental car — but that coverage may be limited to the value of the car you own, rather than the one you’re renting. Of course, if you don’t have a personal auto policy, you’ll need to purchase coverage from the rental company.

 

And keep in mind that in the event of an accident, many rental companies will charge fees beyond repair costs. They may assess a loss-of-use fee for each day the car is unusable, as well as charge you because the value of the car has decreased. Not all insurance policies cover these fees.

 

  1. Also know your homeowners or renters policy.

If you’re traveling with expensive electronics or other valuable items, you probably want to consider what coverage you’ll have in the event they are stolen. Your personal auto policy and/or credit card coverage likely won’t provide protection for this scenario.

 

  1. Check your credit card protection.

Most credit cards will also provide some coverage, but often payment is limited to reimbursement of your personal auto policy deductible (after that policy pays for repairs). Generally, loss-of-use and other fees are not covered, but it’s important to check with your credit-card provider to determine their policies. And while some cards may offer additional protection for a fee, usually coverage is limited to damage to the car, not liability for any injuries to others. Remember, to receive any sort of benefit from your card, you must use that card to pay for your entire car rental.

 

  1. Consider any unique circumstances.

Are you renting a car in a foreign country, or for more than a week? You’ll definitely want to get confirmation of coverage from both your insurance carrier and credit card company because different rules might apply. Also, no matter where you are, vehicles such as trucks, RVs or exotic sports cars often aren’t covered under standard agreements. And if you’re using a car for business purposes, your personal coverage might not apply. Finally, if multiple people will be driving the car during your trip, make sure your coverages will apply to them.

 

  1. Learn about the insurance offered by the rental car company.

According to the Insurance Information Institute, rental companies offer four main types of coverage.

A Loss Damage Waiver (LDW) relieves you of responsibility if your rental car is damaged or stolen. This may also provide coverage for loss of use.

Liability Protection provides protection from lawsuits if you are sued after an accident.

Personal Accident Insurance covers you and passengers for medical bills after an accident. You may not need this if you have adequate health and auto coverage.

Personal Effects Coverage protects you if items are stolen from your car. You generally are covered for this under your homeowners or renters policy, but keep in mind that the loss must exceed your deductible for you to receive payment. If you have a high deductible, it may make sense to purchase this coverage from the rental company.

 

When you go on vacation, you don’t want to stress out about insurance. So give us a call before you leave. Then, when you head over to the rental-car counter, you can stop worrying about your coverage — and start enjoying your trip!

 

 

Do You Know What to Do If You Are on the Road During a Weather Emergency?

People generally plan to be at home or in a safe location during extreme weather conditions. However, sometimes it is not possible for a variety of reasons. If you find yourself on the road during a weather emergency, we at FM Insurance want you to have the peace of mind of knowing the steps to take to increase your safety in any event.

Steps to Take if You are on Road in Weather Emergency

  • Remain calm. This is key, in many situations clear thinking can be the difference between life and death. It can be harder than it sounds but reminds you often to stay calm and think out your options.
  • Keep your car stocked with supplies such at drinking water, meal bars, a first aid kit, and even an extra cell phone for emergency calls.
  • There is no one answer as to whether you should pull over or drive out of the weather, you must make this choice at the time but remember to never drive through standing water and if you do choose to pull over do so slowly and turn on your flashers.
  • Follow instructions that any law or emergency personal gives. Even if your house is just a few miles away or whatever valid reasons you have for not listening, you may not have all the information.
  • If you see a tornado, it is recommended that you duck and cover inside your car after parking it in a low area such as a ditch. Do not leave your car and remember that an overpass is not a shelter to seek out.

Contact us at FM Insurance if you are in Oklahoma City, OK and the surrounding areas for great rates and fast quotes.

The Best auto insurance for teenage drivers

Oklahoma City, OK is a city that requires most of the residents to have cars if they want to get around, which means that all of these drivers will need some form of auto insurance. Ideally, policies should be set up with a local broker like FM Insurance, who serve the Oklahoma City area. And some of the most important drivers to insure are the newest ones, the teenage drivers, who are more prone to having accidents than anyone else. Below are the best auto insurance policies for teenage drivers in a place like Oklahoma City, OK.

LIABILITY INSURANCE

Liability insurance covers other people who are involved in an accident or other people’s property when the accident has been deemed the fault of the teenaged driver. Which means that this type of policy is definitely needed since teenagers are usually at fault. While it’s only required to have a minimum amount of liability insurance coverage, the more you have will protect the teenager and you from having to go out of pocket to cover expenses or even having to pay for a possible future lawsuit.

COLLISION INSURANCE

Collision policies for a teenager will be a higher premium for sure, but will add an extra layer of insurance protection that you will be glad you have. It will fix damage to your own vehicles that may be the teenagers fault, as well as protect them from medical issues that may arise from an accident. If you can afford it for your teenager’s insurance policy, this is an excellent addition for the safety and security of them and their vehicle.

PERSONAL INJURY PROTECTION

You want to keep your teenager safe on the road, as well as others who may be injured in the event of an accident. So having personal injury protection on their policy is a good idea, to ensure all medical costs would be covered in the event of an accident.

Is Your Auto Insurance Up to Date?

When it comes to auto insurance one of the worst things that can happen is for your insurance to be out of date. This can mean one of two things, either the insurance has expired, or your insurance no longer covers what you need it to cover. There are a few different ways to check your coverage and to make sure your coverage is up to date. For those in Oklahoma City, OK, your coverage needs may be different from someone that lives in another part of the country.

The first way to check your coverage is to simply look at your insurance cards. These cards will display the date that the card expires, the coverage expires, and when you need to get a new card and to renew your coverage. You can pay for your premiums in a variety of ways and in a variety of different increments as well. Most people simply pay monthly to help offset the cost but you can also pay your premiums for 6 months or for a year.

It is always helpful that if you are not sure how to check your coverage, that you talk with an agent to help you determine when your coverage lapses and when it needs to be renewed. You can also check online if your agency has a website and find out when your coverage expires. You should also take the time to find out when you need to up coverage, add more coverage, or change your coverage to keep it up to date and to make sure your coverage is going to work if you are in an accident. Your coverage is important and if you live in the Oklahoma City, OK area you need to make sure your coverage is perfect for you.

Keep your cool behind the wheel with these road rage prevention tips

Don’t underestimate the seriousness of road rage. Road rage is actually a leading cause of automobile accidents according to some authorities like the National Highway Traffic Safety Administration. 

Fortunately, there’s a lot you can do to keep everyone safe out on the road by assuaging hot tempers- including your own hot temper. The following are three important road rage prevention tips to keep in mind on a daily basis:

Pay attention to traffic reports

Stay informed about traffic out on the roads and you can avoid heavy congestion. A heavy concentration of drivers always makes disputes and accidents more likely, so do your part to minimize traffic. 

Report dangerous behavior

If repetitive reports are received by the police of a driver behaving erratically and dangerously, that driver might be taken off the road by having his or her license suspended.

Reporting dangerous behavior can help keep people who can’t handle driving off the roads. This, in turn, will lower the risk of car accidents caused by road rage. 

Don’t run late all the time

Being in a hurry is one of the biggest reasons why drivers are quick to lose their temper. It’s also more likely that you’ll make another driver lose his or her temper if you are being pushy and aggressive to get where you need to be on time.

Leave a few minutes earlier and you’ll probably find that much of the stress of your daily commute is prevented. 

Are you looking for the right auto insurance policy to keep you protected financially? Contact us at FM Insurance to learn more. 

How to Prepare for Driving Abroad

Preparation is critical when you are going to be driving abroad. Particularly if you are crossing the pond, there is quite a lot to know because you may be dealing with foreign languages and even driving on the “wrong” side of the road.

Insurance

You should always have auto insurance in place, even if it is for a rental car. If there is an accident or your car gets hit in a parking lot, it’s easier to file a claim than to have to pay out of pocket. Your rental car company may be able to provide all the coverage you need. It is also possible that your auto policy will cover you if you travel to Canada or Mexico.

Road Signs

Do the research to find out what the road signs look like in the country you are traveling to. This will make it easier to know how to drive and adjust your speed accordingly. This can prevent getting into trouble when you arrive and see a road sign for the first time.

GPS

You want to make sure you know where you are going, and a GPS can be the best thing to have. Don’t depend solely on a map app as it can cost you a lot of money with roaming charges from your cell phone company.

Requirements

You also want to check on the requirements for driving in a particular country. A standard driver’s license may not be enough. You may be required to obtain an International Driving Permit (IDP). These are easy enough to get and most auto clubs will help you with them for a small fee.

Call to find out more about auto insurance. Our agents at FM Insurance are happy to discuss policies, coverage levels, and answer any questions you may have. We can also get quotes from some of the best insurance companies to help you compare rates.

 

 

Hit and Run in Oklahoma City: Understanding Your Policy

Have you ever been involved in a hit-and-run accident? If so, you know firsthand how aggravating it can be to receive compensation for any damage, especially if the at-fault driver is never caught. Fortunately, though, there are several ways in which auto insurance can be used in your favor after a hit-and-run takes place. The most important thing you can do to ensure you are covered is by speaking with a qualified agent serving the Oklahoma City area. 

First of all, collision coverage will prove to be of the utmost benefit when it comes to hit-and-run accidents. Probably one of the most notable features about collision insurance is that it doesn’t matter whose fault the accident is, benefits will still be paid out to cover the damage. This means that even if you aren’t at fault, you will likely have the opportunity with collision coverage to make a claim with your own insurance company on your policy; this is regardless of whether or not the other driver is found.      

You’ll also find that having personal injury protection (PIP) to be of immense value after a hit-and-run accident takes place. Although policies vary from one insurance provider to another, many PIP benefits include giving you protection against lost wages as well as expenses accompanied with taking care of your children if you’re in an accident and become unable to care for them.        

If you have yet to take a look at your current policy to determine the type of coverage you’ll have in the event that you’re the victim of a hit-and-run accident, you’ll definitely want to speak with an agent at FM Insurance who serves the Oklahoma City area.

 

Autumn Car Care Tips

There are various autumn car care tips that you should follow. Throughout autumn as well as winter, Oklahoma City is going to experience snow, ice, sleet, and colder temperatures. There are ways for you to prepare so that you don’t experience any car problems.

Find a Mechanic

Find a mechanic that you can trust. This can be a local one or the one that is at your dealership. This will ensure that you can go to have various things checked, including:

  • HVAC system
  • Defroster
  • Brakes
  • Tires
  • Battery

Set a Schedule

Set a schedule for when certain things need to happen. This includes having your air filter replaced, your oil replaced, and more. Depending upon the age of your car, you may need to have your spark plugs replaced as well.

Make Some Replacements

There are some replacements that you may want to consider so that you are prepared for autumn as well as winter. If it has been a while since you replaced your battery, you may want to add it to the list. Your wiper blade should also be replaced in the autumn so that it is capable of clearing the windshield as needed.

Use a Tire Pressure Gauge

It is a good idea to have a tire pressure gauge in your car at all times. Check the tire pressure to ensure that it matches what is recommended for your car – and this is found in the owner’s manual. You may need to add or subtract air from the tires in order to meet the ideal pressure as the temperature fluctuates.

Call us at FM Insurance today so we can talk to you about car insurance. Our independent insurance agents can help you to find a policy that makes sense in Oklahoma City. We work with some of the top insurance agents in Oklahoma to get you the coverage as well as the quotes to help you make the best decision.

 

Kansas State Insurance Shocker

Although Kansas is considered a no-fault state for purposes of auto insurance, that doesn’t mean that fault isn’t relevant after an auto accident. No-fault only means that regardless of fault, injuries you might cause to somebody else in a motor vehicle accident are first considered under personal injury protection (PIP) coverage. If, and when, the threshold for that PIP coverage is exceeded, those your injuries are considered under the general liability provisions of your policy.

Kansas has one of the best mandatory minimum liability insurance laws in the country. However, it is still minimum insurance coverage. The required minimum does not fully cover any medical bills you might receive in an accident that was your fault. It doesn’t cover repair or replacement of your vehicle either. By riding on minimum insurance, you’re placing yourself and your personal assets at risk, including your vehicle itself.

We’re independent insurance agents and we live and work in the Wichita area. We’re established and trusted business people who give you honest and unbiased information and answers.

Because we’re independent insurance agents, we’re tied in with multiple insurance companies that compete against each other in efforts to give you the best auto insurance possible at the lowest rates. Agents working for national insurance agencies (or, captive agencies) are not able to find rates from other companies, whereas we work with several different carriers.

Cheaper insurance means more elbow room for you, so you can pack in better coverage like medical payments, collision, and comprehensive coverage without premium shock. You might even be able to bump up your policy limits too.

You don’t want to be underinsured, even if an accident isn’t your fault. Get an online quote from us, call us, or just stop in if your’e close. We’ll be happy to talk with you at FM Insurance, whether you’re buying a new vehicle or just shopping for better coverage and prices.