Auto Insurance and Rental Vehicles

Posted on May 27, 2024May 14, 2024 by agentinsure

Auto insurance coverage often extends to rental vehicles, protecting drivers when renting cars for personal or business use in Oklahoma City, OK. Understanding the written policy is crucial for individuals considering renting a car and relying on their existing auto insurance policy.

Coverage Extension

Many auto insurance policies automatically extend coverage to rental vehicles, offering similar protection to what drivers have for their cars. This includes liability coverage for bodily harm and others’ vehicles or property, as well as damage to the rental vehicle in the event of an accident.

Comprehensive and Collision Coverage

In addition to liability coverage, drivers may have comprehensive and collision coverage extended to rental vehicles. This provides financial protection for damage to the rental car resulting from accidents, theft, vandalism, or other covered perils similar to their vehicle coverage.

Rental Car Insurance Options

While existing auto insurance policies may provide coverage for rental vehicles, rental car companies often offer additional options. These options include collision damage waivers (CDW), loss damage waivers (LDW), and supplemental liability insurance (SLI), which can provide additional coverage and peace of mind for renters.

Policy Limitations

Coverage may vary depending on the rental car’s type, location, and intended use, so you should contact the provider to explain the coverage details before renting a vehicle.

Credit Card Coverage

Credit card companies may have the option of providing rental car insurance coverage as an incentive or benefit to cardholders who use the card to pay for the rental. Depending on the terms and conditions, this coverage may supplement existing auto insurance coverage or provide primary coverage for rental vehicles.

Let Freeland Insurance Give You the Information

Freeland Insurance answers your auto insurance questions and serves the Oklahoma City, OK, region. Call us today for updated information.

Vehicle Safety Features and Their Impact on Auto Insurance

Posted on May 23, 2023May 23, 2023 by agentinsure

As technology advances, modern vehicles are equipped with a wide range of safety features designed to protect drivers, passengers, and pedestrians. At Freeland Insurance in Oklahoma City, OK, we understand the impact of these vehicle safety features on auto insurance and how they can potentially lead to savings on your premiums while simultaneously enhancing your peace of mind.

Vehicle safety features can play a significant role in determining your auto insurance premiums. Advanced safety technology, such as anti-lock brakes, adaptive cruise control, lane departure warnings, and collision avoidance systems, can help reduce the likelihood of accidents and insurance claims. In this ever-evolving landscape, many insurance companies recognize the benefits of these safety features and may offer discounts or incentives to policyholders who drive vehicles equipped with them. Collaborating with an informed agent at Freeland Insurance in Oklahoma City, OK, enables you to comprehend the prospective discounts tied to vehicle safety features and select the optimal blend of coverage fitting your distinct requirements as a driver. Our agents will help you assess your risks and identify the best solutions to protect you, your vehicle, and your wallet.

Understanding the impact of vehicle safety features on auto insurance is essential to ensuring you have the proper protection at the best possible price. If you want to learn more about auto insurance and how Freeland Insurance can help you find the perfect policy in the Oklahoma City, OK area, don’t hesitate to contact our offices. Our commitment is unwavering in offering customized insurance strategies that ensure the protection of you, your vehicle, and your loved ones during your journeys. Our goal is to fortify your peace of mind, knowing that safety is our utmost priority.

Vehicle Safety Features and Their Impact on Auto Insurance

Posted on May 23, 2023May 23, 2023 by agentinsure

4 Areas Covered by Auto Insurance

Posted on May 19, 2022May 19, 2022 by agentinsure

You probably have car insurance in Oklahoma City, OK because you know it’s necessary. But do you know that your car insurance protects you beyond compliance with the law? If you purchase car insurance from Freeland Insurance, it covers you in the areas below:

Liability coverage: This is a big one. While you might be careful on the road, accidents can happen. Unfortunately, if you are at fault for an accident, you may be accused of bodily injury and property damage. Since liability claims can be costly, you must consider sufficient liability coverage in your auto insurance policy.
Asset protection: You have worked so hard to purchase your vehicle. It would be a shame to watch your hard-earned investment go down the drain. Thankfully, if you have car insurance, it can compensate you when you lose your car to damage or theft. While car insurance doesn’t prevent perils, it ensures you don’t start from scratch when the unthinkable happens.
Medical payments (MedPay) coverage: With the rising healthcare costs in America, you can’t afford to go on with life without sufficient health coverage. MedPay coverage pays for the medical expenses when you and your passengers sustain auto injuries. Better yet, this coverage may cover partial loss of wages if the injury keeps you away from your income source.
Emergency assistance coverage: Sometimes, your vehicle can break down when you least expect it. An electrical or mechanical breakdown can occur when you are miles away from your residence. However, a dead battery, puncture, or running out of gas shouldn’t leave you stranded on the highway when you have roadside assistance coverage. All you need to do is call your insurer for help.

Want to invest in car insurance in Oklahoma City, OK? Please get in touch with Freeland Insurance for a quote.

Summer Travel Can Mean Rental Car’s

Posted on May 31, 2017 by Jamie Larson

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.

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.

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.

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.

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.

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?

Posted on May 15, 2017May 15, 2017 by agentinsure

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.

The Best auto insurance for teenage drivers

Posted on April 17, 2017April 15, 2017 by agentinsure

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?

Posted on February 23, 2017February 19, 2017 by agentinsure

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

Posted on April 29, 2016May 1, 2016 by agentinsure

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

Posted on December 21, 2015December 21, 2015 by agentinsure

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.

HOW CAN WE HELP YOU?

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