Category: Uncategorized

Safety tips for working in the heat

One of the most common and severe hazards for outdoor workers is the heat. According to the U.S. Department of Labor, in 2015, heat exposure led to more than 2,800 illnesses and injuries involving days away from work.

If you work outside, especially in the summer months, it’s essential that you follow safety precautions and procedures to avoid heat-related illness.

Even if your job doesn’t require you to work outdoors or in a hot indoor environment, if you’re in the heat for extended periods of time working on the lawn or fixing up your house, it’s also wise to keep these safety practices in mind.

1. Stay hydrated.
Always have water on hand when outdoors. When working in the heat, OSHA recommends drinking a liter of water over one hour, which equates to one cup every fifteen minutes.

2. Take frequent breaks.
It’s important that you take time to rest and get out of the hot weather. Take frequent breaks either in the shade or an air conditioned indoor area.

3. Take time to acclimatize.
Your body will slowly build a tolerance to working in the heat. This process is called acclimatization. For new workers, start with 20% exposure on the first day and increase by, at most, 20% every day. Also, if there’s a drastic change in temperature, all workers should start adjusting to the climate by cutting their time outside in half. Workers should then slowly increase workload over the next three days, so by day four, they are back at their regular work schedule.

4. Dress light.
Depending on your outdoor work, if possible, wear lightweight and light-colored clothing. Many outdoor workers are required to wear certain gear for protection. And while light clothing can protect against heat illness, only wear these items if they will not create a hazard in your workplace.

5. Watch what you eat and drink.
Be cognizant of what you’re putting into your body. Before work, eat smaller meals and avoid alcohol and caffeine. And if you’re taking any medications, ask your health care provider if it is OK for you to work in the heat.

6. Monitor the weather.
If you will be working outside, or you manage workers who will be outside, make sure you monitor the weather and heat index. Being aware of the conditions of the day allows you to best prepare for the heat. Plus, there are many tools that can help. For instance, the OSHA-NIOSH Heat Safety App can help you calculate the heat index of your worksite, determine the risk level to workers and know which precautions to take.

7. Use the buddy system.
Work outside with someone else, or partner up at a large worksite to ensure that everyone stays safe and can get quick help if showing signs of heat-related illness. Symptoms can include headaches, dizziness, fatigue, confusion, nausea, vomiting, fainting and seizures. If someone shows signs of heat stroke or severe heat exhaustion, call 911 and get medical help immediately. Remove the person from the hot area and take off their outer clothing. Place ice or a cold compress on their body until help arrives.


This article is for informational and suggestion purposes only.

– Occupational Safety and Health Administration (OSHA)
– National Safety Council (NSC)

4 Reasons You Need Renters’ Insurance

More U.S. households are renting now than at any point in the last 50 years.1 However, only 37% of renters have renters’ insurance.2

Common misconceptions like, “My landlord’s policy will cover me” and “I don’t have that much stuff or anything worth that much” may factor into the low percentage. But if something were to happen to your home, it could be financially devastating even if you’re renting. Regardless of the value of your possessions, there are many other instances where renters’ insurance is key to helping you stay financially sound.

Take a look at the top reasons you need renters’ insurance. Then, give us a call to see what kind of coverage is best for your situation.

  1. Protect your personal possessions.
    If something were to happen to your apartment, your landlord’s insurance policy will cover the structure, as well as all cabinets, appliances and other property that he or she owns. However, your personal property, like your TV, furniture or laptop, is not covered under your landlord’s policy. Renters’ insurance can help cover costs to replace your belongings after covered events, such as a fire or robbery.

Tip: Know if your policy covers the Actual Cash Value or Replacement Cost of your belongings. Replacement Cost covers the full amount to repair or replace the item. Actual Cash Value will reimburse you for how much the item is worth in its current condition, accounting for wear and tear over the years.

  1. Create a safety net for liability costs.
    It’s easy to dismiss the need for liability coverage and think, “My guests won’t sue me.” But what if your dog bites a neighbor? Or you leave the oven on and cause damage to other units in the complex?

If you are negligent or at-fault for damage to your landlord, fellow tenants, guests or their property, the liability coverage in renters’ insurance can help cover litigation expenses and any other costs for which you are held accountable.

  1. Know you can afford a temporary home away from home.
    If there’s a disaster that makes your apartment uninhabitable, renters’ insurance may cover additional living expenses if you need to relocate. For instance, if you normally pay $800 in rent per month, and your temporary relocation costs total $1,000 per month, renters’ insurance that offers additional living expenses would cover the difference.
  2. Keep your possessions covered anywhere in the world.
    On vacation and your laptop gets stolen? Renters’ insurance covers your belongings even when they’re not in your home. However, your possessions won’t be covered to the extent that they would if a loss were to occur while the item is in your residence. There is often a limit on how much you can be reimbursed, so check with your agent to review the exact details of your policy.

And now that you know how important it is to have renters’ insurance, be sure to ask us how you can save money when purchasing a policy. Many providers will offer a discount if you purchase your renters’ and auto insurance with the same company. You can get discounts for other things too, like not having any prior losses or renting an apartment with a central station fire or burglar alarm.

Talk to Brandon to learn more and determine what coverage is best for you.

This article is for informational and suggestion purposes only. If insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies.

1 – Pew Research Center
2 – Insurance Information Institute

10 Road Rules for Driving with Motorcycles

“Look twice, save a life” isn’t just a slogan—it’s solid advice. While safety should always be the main concern whenever you’re driving, when automobiles and motorcycles begin to share the road in warmer months, it’s a good idea to be extra vigilant.

Remember, motorcycles are vehicles with the same rights and privileges as any vehicle on the roadway. It’s important for motorists to understand the safety challenges faced by motorcyclists, such as size, visibility and motorcycle riding practices, to know how to best respond to them.

Whether you’re the one operating the automobile or the motorcycle, check out our 10 tips for sharing the road to make sure everyone makes it to their destination safely.

  1. Share the road, not the lane.
    Although it may look like there’s enough room in a single lane for both an automobile and a motorcycle, remember the motorcycle needs the room to maneuver safely. Give the motorcyclist some space and don’t share the lane.
  2. Increase your following distance for flashing turn signals.
    Self-cancelling turn signals didn’t become standard on motorcycles until the 1970s, and there are still a lot of motorcycles on the road today without them. When you see a flashing turn signal on a motorcycle, wait to be sure the motorcycle is going to turn before you attempt to pass it. If you notice that a motorcyclist has been driving with the turn signal on for a while, increase your following distance so that if it does turn, you’ll have enough time to react.
  3. A minor annoyance to a motorist could be a major hazard to a motorcyclist.
    Motorcyclists may change speed or adjust their position within a lane suddenly in reaction to road and traffic conditions, such as potholes, gravel, wet or slippery surfaces, pavement seams, railroad crossings and grooved pavement.
  4. Remember that motorcycles react differently.
    Did you know that in dry conditions motorcycles can stop more quickly than cars? Allow more following distance so you have enough time to react in case the motorcycle makes a sudden stop since rear-ending a motorcycle can be fatal to the rider.
  5. Look in all directions during left turns.
    Motorcycle crashes involving another motor vehicle continue to account for nearly half of all motorcyclist fatalities in the United States. Before you turn left, remember to look for oncoming traffic, especially motorcycles. Vehicle accidents involving the collision of a left-turning automobile and an oncoming motorcycle can be severe, as oftentimes the motorcycle T-bones the automobile while it’s in the left turn.
  6. Treat intersections with special care.
    Many accidents that involve both automobiles and motorcycles occur at intersections. Always follow the safety protocol for intersections every single time that you approach one: come to a complete halt, view and obey posted traffic signs and signals, look both ways for approaching traffic and proceed slowly.
  7. Check your blind spots.
    Motorcycles are small and may be difficult to see. With a smaller profile, it can also be difficult to judge the speed and distance of an oncoming motorcycle, particularly in blind spots. And, the shape and size of a motorcycle can blend into the images in your rear and side-view mirrors. Newer technology, including lane departure warning and blind spot detection systems, have helped with this issue but nothing beats the old fashioned over-the-shoulder glance.
  8. Pass with care.
    When a motorist passes a motorcyclist, the gust of wind that follows could cause the motorcycle to become unstable. Always use your turn signal before changing lanes or merging to allow the motorcyclist to anticipate traffic flow and find a safe lane position. When passing, make sure you are several car lengths ahead of the motorcycle before you return to your lane.
  9. Keep weather in mind.
    Inclement weather has more drastic effects on motorcyclists than it does on motorists, particularly rain, snow and wind. Windy conditions can make it difficult for motorcyclists to control their motorcycle on the road, and precipitation like rain or snow can reduce everyone’s visibility and make motorcycles more difficult to see.
  10. Help riders stay safe at night.
    You can help motorcyclists stay safe after dark by increasing your following distance, ensuring that your high-beams are turned off when you notice an approaching motorcycle and refraining from passing.

This article is for informational and suggestion purposes only. If insurance policy coverage descriptions in this article conflict with the language in the policy, the language in the policy applies. To learn more about auto or motorcycle insurance coverage, contact us!


What to expect during a car insurance claim

When you’re involved in an auto accident, working through a claim can be stressful. But knowing what to expect can ease you through the process and help you have a pleasant experience working with your claims professional.

Although the car insurance claim process can vary, most of the basics are the same.

If you’re in an auto accident, here’s what to do:

  1. Stay at the scene.
  2. Contact the police immediately.
  3. Exchange contact information, the name of your insurance company and your auto insurance policy number with the other parties involved in the accident.
  4. If applicable, be sure to gather contact information from any witnesses.
  5. Avoid discussions of insurance policy coverage, limits or fault.
  6. Report the claim once you and your car are safe.

So, what comes next?

  1. Let’s chat.
    You’ll get a call from your claim representative, who will ask you about the details of your loss and explain your policy coverage and the claims process, including options for obtaining an estimate for the damage to your vehicle.
  2. Get back on the road with a rental car.
    If your car is no longer drive-able and you have Rental Reimbursement coverage, you should be covered for the daily rate of your rental vehicle. The amount covered by your auto insurance is based on your policy’s rental reimbursement limits. Not sure if you’re covered for a rental vehicle? Your claim representative will provide direction. But, before you’re even involved in an auto accident, you should talk to Brandon about Rental Reimbursement coverage and see if it makes sense to add it to your policy.
  3. Sometimes claims require an investigation.
    In claims with multiple vehicles, the adjuster will need to talk to all parties involved to determine things like liability, getting estimates, repair shop options and other important factors.
  4. Repair your vehicle.
    While you always have the right to take your vehicle to any repair shop you like, most insurance companies can provide you with a recommended body shop which could come with extra perks, such as a lifetime guarantee on repairs while you own your vehicle, convenient scheduling and priority service. After you select a repair shop, your claim representative will guide you through each step of the repair process and work with you to resolve your claim fairly and effortlessly.
  5. Tell your insurance company how the claim process went.
    After your claim is resolved, you may receive a survey regarding your experience. Your feedback is important to your insurance provider and essential to the growth and development of their products, services and people. If asked, be sure to provide your two cents, which will help improve the car insurance claims process for others. And lastly, consider giving kudos to an adjuster or claim representative who helped you have a great experience with your claim.
-Insurance Information Institute



5 ways to lower your business insurance premium

Being properly insured is a crucial part of running a strong, stable business. But nobody wants to pay more than they should. Getting the right coverage at the right price keeps your business protected and can help your bottom line. Feel like you’re paying too much in premiums? Here are five tips that can help you lower your insurance costs.

  1. Raise your deductible.
    Just like health, property or auto insurance, the quickest way to lower your premiums is to raise your deductible – or the amount you’re responsible for paying when you file a claim for an accident or other event that qualifies for coverage. Just make sure your business can afford to pay that deductible amount up-front if a claim is necessary.
  2. Combine your coverages.
    Because of the complex range of exposures that each business can have, you’ll likely need a number of different coverages to protect the business operations. Property, general liability and commercial auto are just a few business insurance options that may be considered. Combining these coverages under a single policy can be more cost effective than purchasing them separately. BOPs tend to be an ideal insurance solution for small- to medium-sized businesses. For a larger or more complex business, you can purchase a Commercial Package Policy which is tailored to your specific business insurance needs. If your business requires specialty insurance that’s not standard in a BOP or Commercial Package Policy, then you may need to purchase endorsements or a separate policy to meet that insurance coverage need.
  3. Take safety seriously.
    Create a safety plan and enforce it. Give your employees a copy of the plan and make sure they can put it into action. A safety plan can not only help eliminate problems that turn into accidents and injuries, it also gives your insurer greater confidence in you. When done right, a good safety program helps your business reduce losses and lower your workers’ compensation and general liability premiums.
  4. Create an un-risky business.
    Take advantage of your insurance agent’s risk control expertise. Whether it’s a theft-prevention program or human resources training, using risk control experts lets your insurer know that you’re a business owner who’s committed to safety and loss prevention. And to your insurer, it also means you’re likely to file fewer claims – and they might be willing to lower your premium if you institute their suggestions.
  5. Inform Brandon.
    Meet with Brandon to discuss your coverages and how they match up with your business. As your business changes – so should your insurance policies. Sometimes coverages can be redundant or perhaps you’re still paying to cover a part of your business that’s significantly different than it was when you purchased the policy. Make sure you’re only paying for the right coverage and saving money while you’re at it.


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5 life insurance tips for new parents

Congratulations on the new addition to your family! Parenting is a crazy, amazing experience. As a new parent, your life will never be the same — and neither will your insurance needs.

You’ll want to protect your little bundle of joy forever. This is why life insurance is so important for parents. It provides a financial safety net in case you’re no longer there to provide for your child. And even if you already have a life insurance policy, your needs change greatly once kids are in the picture.

Here are some things to consider and tips for purchasing life insurance as a new parent.

  1. Consider permanent and term life insurance… and know the difference.
    There are two main categories of life insurance: permanent and term. Permanent life insurance offers lifelong coverage, while term life insurance provides coverage over a set time period. For parents, it may be wise to purchase a permanent policy and then add term insurance during your kids’ dependent years. This allows you to have a strong coverage foundation, plus some extra protection to ensure that your children will have what they need.
  2. Think about education expenses.
    It may seem too soon to be thinking about education expenses for a child who can’t even walk yet, but it’s important to consider these costs when determining your life insurance policy. We all want our kids to have the best opportunities possible. Factoring education expenses into your life insurance can help ensure that they will have the same opportunities even if you aren’t around.
  3. Stay-at-home parents need life insurance, too.
    Stay-at-home parents may not earn an income outside of the home, but consider what it would cost to replace everything that they do. The loss of a stay-at-home parent may mean that the surviving parent will now need to cover childcare and other expenses, which can rival the cost of college tuition.1Purchasing life insurance for a stay-at-home parent can help cover these costs and relieve some of the financial burden on the surviving parent.
  4. Don’t designate your minor child as your beneficiary.
    Yes, you’re buying the policy so your kids have financial protection, but it can be a big mistake to designate a minor as your beneficiary. A better option would be to set up a trust or designate an adult, like your spouse or a close relative, to oversee the distribution of money to the minor. State regulations may limit if or how much a minor child can receive in life insurance proceeds, so they may have to wait to receive the life insurance benefits until the court appoints a guardian to administer the funds. This can take quite some time and typically requires multiple court dates.
  1. Speak with an independent agent.
    Brandon can help you find the best life insurance coverage, for the right price. Brandon can provide quotes from multiple carriers, discover discounts and work with you to determine your exact life insurance needs.

Get started today by contacting us and taking the first step to protect your family’s future.


1 – Business Insider

For our commercial business clients – Cyber coverage: Keep your customers’ information safe!

Protecting your customer data is about more than a business’s legal responsibility, it’s about keeping your customers’ trust.

According to a Ponemon Institute study, 57% of consumers who received a breach notification letter from a business said they lost trust and confidence in that business, while 31% ended their relationship.1

Few businesses and organizations can afford that kind of damage to their brand or their customer base. So, don’t wait for the worst to happen. Take action now by following a few simple steps that can help you limit the risk of a data breach and losing valuable customer information—and help you keep your customers’ trust.

  1. Use a dedicated server. 
    Yes, it’s more expensive, but using a dedicated server greatly reduces your exposure to hackers as compared to a shared server.
  2. Encrypt data.
    Any file that’s not encrypted is at risk—especially if it’s sent over the internet.
  3. Utilize a website malware monitoring service. 
    If your website gets hacked, you might not even know it until it’s too late. Malware monitors will protect your website and visitors and notify you if your site has been compromised.
  4. Restrict access to personal information.
    Limiting access to customer information to only those in your company who “need-to-know” should be part of your records management policy. Keep sensitive files—paper and electronic—in a centralized location. For employees working remotely, make sure their laptops can only access files through a secure VPN.
  5. Shred your paper documents and use a wiping program for hardware. 
    Businesses are required to properly dispose of customer and employee information. Shred, burn or pulverize physical documents. On computer hardware, use a wiping program to erase all appropriate data.
  6. Create a data breach plan. 
    Reacting quickly can help minimize the damage from a breach—and to do that you must be prepared. Develop a plan that can help you isolate the issue, notify customers and work with a cyber security expert.2

And in case of a data breach, make sure your business is protected ahead of time by cyber insurance coverage. Speak with Brandon to determine the right coverage for your business. Brandon will review your exposure, different coverage options and make the best policy recommendation for you.

Please contact The Wright Insurance Company for complete details on coverage’s and discounts.



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Deductibles 101

A deductible is the amount you are required to pay out of pocket when filing an insurance claim.

You probably talked about them when you first bought your insurance coverage. But if you don’t review your insurance annually, the next time you even hear the word “deductible” could be months or even years later when you’re filing a claim. And this can make an already stressful time even more puzzling.

While we don’t expect you to agonize over your deductible every day, it’s important to know how to find and understand your deductibles, as well as determine if you’re paying the correct amount for your current risk.

Find and understand your deductible.

Your deductible is very easy to find. On a standard homeowners or auto insurance policy, your deductible amounts should be listed on the front page. This page is also known as the declarations page.

You may notice that your policy contains different deductible amounts for each individual coverage. For example, an auto policy includes both comprehensive and collision coverage, each with its own deductible. Collision coverage kicks in if you collide with another object. So, if you got into an accident with another driver, the collision deductible will apply to your claim. Comprehensive coverage applies when the damage to your car is brought on by other causes, like if you hit a deer or if a tree falls on your vehicle. In these instances, the comprehensive deductible will apply.

Also, you may see that some coverages don’t require a deductible, like scheduled coverage for jewelry or other valuable items, as well as homeowners’ or auto liability coverage. In these cases, you won’t have to pay any out of pocket costs if you need to file a claim.

Choose a deductible that’s right for you.

Deductibles also affect your rates. The higher the deductible, the lower your premium. Meaning, if you’re willing to pay more out of pocket when filing a claim, your monthly or semiannual payments will be smaller. On the flip-side, if you’re willing to pay more in premium, your deductible will be reduced.

When you review your policy, your agent can help you make sure that you’re paying the right amount for your risk. For instance, if you’ve got a fairly new home, you may not have the same risks as an older house and may not be as likely to file a claim. In which case, it could be better to have a higher deductible and lower premium.

And since different coverages within your policy contain different deductibles, your premium and deductibles can become even more customized. For example, if you live in the country and are more likely to hit a deer than another car, you may want to lower your deductible for comprehensive coverage, but raise your deductible for collision coverage.

Talk to your agent.

Your insurance agent is the best person to talk to when making these decisions. An annual review of your policy doesn’t take much time and could potentially save you money.

So, give Brandon a call for help evaluating your deductibles and ensuring that you’re paying the right amount for your current risks.


How to protect pets while driving

During this holiday season, our clients and friends will be traveling throughout the country and will most likely be bringing along their pets.  We know that your pets are your “fur-babies,” and you want to keep them safe. So, before you go cruising with your canine or kitty, let’s review some of the best ways to keep your dog and cat safe while driving around town or cross-country.

  1. Prep your pet.If you’re in for a long-distance road trip, get your pet prepared by taking them on a series of short drives first, gradually lengthening time spent in the car.1 If you’re traveling across state lines, bring along your pet’s rabies vaccination record. While this generally isn’t a problem, some states require this proof at certain interstate crossings. Provide your pet with a light meal three-to-four hours prior to departure and avoid feeding your pet in a moving vehicle.
  2. Take a travel kit.Bring food, a bowl, leash, a waste scoop, plastic bags, grooming supplies, medication and first aid and any travel documents. Pack a favorite toy or pillow to give your pet a sense of familiarity. And be sure to pack plenty of bottled water. Giving your pet drinking water from an area they aren’t used to could result in stomach discomfort.
  3. Hold on tight.Consider a harness to make sure your pet is safe and secure. Since an unrestrained pet can become a projectile, causing injury to itself or others in the vehicle, look for a harness that will keep them restrained in an accident. According to the 2013 Safety Harness Crashworthiness Study by the Center for Pet Safety (CPS), the only product to pass the tests and earn the CPS designation of Top Performer was the Sleepypod® Clickit Utility Harness.
  4. Take comfort into account.Because most cats aren’t comfortable traveling in cars, for their safety as well as yours, it’s best to keep them in a carrier.2 If you use a crate or carrier in your car for your pet, the ASPCA recommends that the crate should be large enough for your pet to stand, sit, lie down and turn around in. Remember to secure your pet’s crate so it will not slide or shift in the event of an abrupt stop. In CPS’s 2015 Crate and Carriers Crashworthiness Studies, three models rose to the challenge: Gunner Kennels G1™ IntermediatePet Ego Forma Frame Jet Set Carrier, and Sleepypod® Mobile Pet Bed with PPRS Handilock.
  5. Keep all noggins inside the vehicle.Dogs and cats should always be kept safely inside the car and in the back seat.3 Pets who are allowed to stick their heads out the window can be injured by particles of debris or made sick by having cold air forced into their lungs. Even sniffing the breeze from an open window can lead to a vet visit if a pebble or something from the road is kicked up into your dog’s face. And never transport a pet in the back of an open pickup truck. It’s too easy for a dog or cat to jump or fall out of a truck bed.
  6. Watch the road.As cute as they are, don’t let your pet distract you while you’re driving. In one study, 59% of survey respondents admitted to participating in at least one distracting behavior while driving with their dog, including petting and giving them treats.4
  7. Bring a buddy.Share the driving and pet caretaking duties with a friend or family member. You’ll be able to relax knowing that someone you trust is keeping a close eye on your pet.
  8. Rest your Rover.Stop frequently to allow your pet to exercise and use the potty. Keep in mind never to leave the car without a collar, tag and leash.
  9. Don’t leave your pet alone.A quick pit stop may feel like no time at all to you, but it’s too long to leave your pet in a car. One hazard is heat: when it’s 72 degrees Fahrenheit outside, the temperature inside your car can heat up to 116 degrees within an hour. On an 85-degree day, even with the windows slightly open, the temperature inside your car can reach 102 degrees in just 10 minutes. And, at these temperatures your pet can suffer irreversible organ damage or even death. An unattended pet is also an opportunity for theft. Pet thieves are on the lookout for pets who have been left alone in a car—anytime of the year—and they can strike in a matter of seconds after you walk away from your vehicle.
  10. Check your car insurance.Talk to Brandon to learn whether your car insurance will cover pet injuries in an accident. Many carriers offer pet injury coverage as part of their standard auto insurance policy. Use your insurance agent as a resource to help you select the “Wright” coverage for your four-legged friend.


2 – The Humane Society of the United States
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4 – AAA and Kurgo Pet Products

7 things to know about rental car coverage

After a car accident, you have enough things to worry about. Getting to work the next day shouldn’t be one of them.

We’ve all been there—and arranging alternate transportation while your vehicle is in a repair shop can be a hassle. But rental reimbursement coverage can help alleviate some stress after an accident while also saving you money.

Here are seven things you should know about before buying rental car reimbursement coverage:

1. It’s optional.
Rental reimbursement coverage does not automatically apply after an accident. As an optional coverage, it must be purchased separately. A common misconception is that auto insurance automatically covers the cost of a replacement rental car. In reality, you often have to select this coverage and apply it to the policy.

2. There is a limit.
You’ll likely have a per day and per occurrence limit. For example, if you have a 25/750 limit, your insurance company will pay up to $25 per day but no more than $750 per claim for the rental vehicle. Most insurance companies will offer several different options, allowing you to choose the limit that is right for you.

3. Your vehicle must be in the shop due to a covered loss.
Rental reimbursement coverage can be used while your vehicle is being repaired after an accident or another covered loss, not for routine maintenance or leisure. So, if your car is at the body shop after an accident, a rental car is covered up to your limit. But if your car is undergoing routine maintenance that will keep it in the shop overnight or you are renting a vehicle for a family road trip, then rental reimbursement coverage would not apply.

4. You can use it right away.
After reporting a claim, if your vehicle isn’t drive-able, you can be authorized for a rental car right away. Otherwise, you will be relying on the at-fault driver’s insurance company, and you may have to wait a little while before they can assess the claim and agree to pay for a rental car. With rental reimbursement coverage, there’s no waiting.

5. No need to worry about additional insurance.
For the most part, when you have collision and comprehensive coverage’s in your auto insurance policy, it will transfer to the rental vehicle, eliminating the need to purchase additional coverage from the car rental agency. Check with Brandon, who will be able to tell you when this applies.

6. You may not need it at all.
If you have access to another vehicle, rideshare service or public transportation in the event your vehicle isn’t drivable, you may not need rental reimbursement coverage. But if you prefer the safety net of having a rental available if you need it, you may want to opt-in to this coverage.

7. It costs less than you might expect.
One year of rental reimbursement coverage will typically cost less than one day of out-of-pocket rental car expenses.

Want to learn more? Talk to Brandon for complete details on rental reimbursement coverage.