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Question by Curious: Is it ok to buy “Loss of use – car rental” for insurance policy without buying collision?
And if my car insurance policy has both: loss of use and collision, and if I was involved in an accident, is it ok for me to use car rental without claiming collision? Thanks

Best answer:

Answer by CD2007
You can purchase rental reimbursement coverage without having collision. If you are involved in an accident, you would be covered for the rental even if you wouldn’t be covered for the damages. If you have collision coverage and rental, you could only use the rental coverage if you were involved in a covered loss (an accident). In other words, if your car breaks down or if you just need a rental for the weekend, the rental coverage cannot be used.

Edit: In reference to the answer below, I work as a claims rep for an insurance company (one of the largest insurance companies in the US). Although it’s rare, I have handled claims for rental only because the insured did not have collision coverage. Rental reimbursement is purchased separately from collision or comp. Therefore as long as it’s a loss that would normally be covered, the rental coverage can be used.

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The Cruise vacation you have been planning for a year is now a reality. You’ve packed your bags with the appropriate clothes for cruise travel. You have filled out all of the cruise documentation, do this at home, don’t wait to get to your cruise ship, and now you are ready for this highly anticipated cruise. There are a few cruises tips about embarkation day that you should know before you head for your cruise vacation.

Keep all of your documents with you, that includes tickets for the cruise, any vouchers, passport and any immigration forms that the cruise line has sent you. That includes bus vouchers from the cruise line that will deliver you to the ship from the airport. In is wise to pack a change of clothes in your carry on in case your baggage gets delayed. If you have purchased the vouchers from the cruise line, a cruise line representative will meet you at baggage claim and take you to the bus or van that will transport you to your cruise ship.

If you decided to handle the transfer on your own, check ahead of time to find out how much a taxi will cost from the airport to the pier. It is good to know how long it will take to make the transfer so you have timed your flights accordingly. Make sure you have attached your cruise line tags with ship name, cruising date, and stateroom number. When you arrive at the pier a porter will relieve of your bags. He will expect to be tipped. The going fare is one dollar per bag.

Cruise tips are always helpful so pay attention to this one. Let the cruise line make your airline reservations. The reason for this is that if your flight is delayed the cruise line will handle it. If there are several other passengers on the same flight the cruise line will delay the departure of the ship. If it’s just you and your traveling companion they will probably put you up in a hotel in the town of your embarkation and get you on the ship at the next port of call. If you opted to do it on your own, you will have to make all those arrangements. So, for safety and peace of mind let the cruise lines do it.

If you have decided to go to the town of embarkation a few days before the cruise, that will not be a problem, so make your own reservations. Some travel insurance companies will pick up these expenses but make sure you read the fine print on the policy BEFORE your cruise vacation.

When you get to your cruise ship, embarkation could be a little chaotic. There will be lines, especially early in the check in process. There will be a lot of stressed out people so just relax and take it in stride. After you have gone through the check in process you will be aboard and your cruise vacations begins. Here is where it pays to have all of your documentation completely filled out. Many of the cruise lines have loyalty programs so if you are a repeat cruiser many times they have preferred check in areas. Many of the cruise lines will have preferred check in for cruisers who have booked suites or mini suites. Check this out with your cruise travel agent.

This is a little off topic but it’s one of the best cruise tips you will hear. Use a cruise travel agent for all of your cruise travel. It is important to deal with an agent that has sailed on many different cruise lines so they can give you an honest opinion on the difference between cruise lines. Check and see if they are CLIA certified cruise lines organization. Be careful they don’t push you onto cruise ships where they have preferred status which means they get a higher commission. Scour the internet for cruise reviews on cruise travel to back up what your travel agent is telling you.

Now back to the pier. While you are checking in you will have to give the cruise line a credit card for any on board charges. Most times your room card is also your credit card and identification for getting on and off at ports while on the cruise ship. If you can get on the ship early in the process you get two benefits. One you get to have lunch and two you get the first shot at spa and beauty appointments. It will also give you time to peruse your cruise ship and then head for the pool. Having been a savvy cruise traveler you knew to bag a bathing suit into your carry on luggage.

Just before you get to the gangway you will be stopped by the ships photographer and a picture will be taken to commemorate your cruise vacation. It will be on display in the ships photo gallery but you are under no obligation to purchase it. Check in procedures will be different from ship to ship even within the same cruise lines. It depends on the experience of the staff and the cooperation of the passengers. Remember that these folks that are checking you in have been working since seven o’clock in the morning off loading the people from last weeks cruise vacation. Then they turn around and start putting on a whole new set of passengers for the next cruise.

The most important advice is to try to keep a cool head. You are headed for the best thing you can imagine, a cruise vacation.

Happy Cruising!

Copyright © Mary Hanna, All Rights Reserved.

This article may be distributed freely on your website and in your ezines, as long as this entire article, copyright notice, links and the resource box are unchanged.

Mary Hanna has traveled the world by Air and Ship while writing eBooks, Software Reviews and Practical Articles on Internet Marketing, Cruising, Gardening and Cooking. Visit her websites at: http://www.CruiseGold.com http://www.CruiseTravelDirectory.com and http://www.CruisingTips.com

When you rent a car, there’s always that moment of truth, the moment when the salesperson asks you if you would like to purchase insurance (or more accurately, a loss waiver) through the rental company. According to most of these salespeople, if you do not purchase the insurance (which can bump the price of your rental up $20 per day or more) the consequences for the slightest scuff on the door will send you spiraling into bankruptcy. The cost of insurance at the rental car counter may also vary depending on the rental car company, state and the type of car you wish to rent. Car rental insurance can be complicated and you might even feel pressured into purchasing it, but before you commit yourself to spending the money on a loss waiver, take a moment to think about some other options.

Car Insurance

If you carry comprehensive and collision coverage, your personal auto policy will generally cover the cost of replacing or repairing a stolen or damaged rental car. Because each insurance company is a little different, however, it is a good idea to speak with your insurance agent and confirm that the rental car is covered by your existing policy.

Remember that any deductibles you have will apply to the rental car. For instance, if you have a $500 deductible and sustain $450 worth of damage, you will be responsible for the full cost. If you have a $500 deductible and sustain $1000 worth of damage, you will be responsible for the first $500 and the insurance company will pay for the balance.

Remember, too, that for your rental car to be covered you must carry comprehensive and collision insurance. If your insurance protects you only against liability, it will not cover the cost to repair or replace a rental car if it is wrecked or stolen. You may also want to take note that in the event of a car accident with the rental car, your personal insurance premium may go up in cost.

Credit Cards

Some credit card companies offer rental insurance benefits. To find out what each of your credit cards offer, simply call the customer service and ask. You may want to shop around a little to find out which of your cards offers the best insurance benefits. When you find the best deal, ask for a copy of the insurance policy in writing. This will allow you to look the policy over carefully to determine that it offers the coverage you need. Having the policy in writing will also put a stop to the he-said-she-said that may occur if a loss does happen.

It’s easy and often tempting to sign on the dotted line and let car rental insurance take care of everything. But if you do so without stopping to investigate other avenues available, you may find yourself paying for car insurance coverage you may already have. Fifteen or twenty minutes of easy research can save you a hefty sum of money and offer you piece of mind.