Car Accident Injury------------------------- Car Accident Injury
Livelihood in a countryside area and not owning a car sounds not possible - live in an urban district and not owning a car sounds sensible. You know what we mean if you've ever tried to park in a busy neighborhood or had your car wrecked into. Urban car haveership can be a huge hassle and expense. But what about those occasions when you want to purchase in bulkiness, like that annual trip to Costco, or when you want to get out of thave where no bus or train will take you? The answer: rent a car and/or join a car share company.
Each of these has its' merits and actueveryy saves you lots of money compared to owning, maintaining, parking and insuring your have vehicle.
Consider Manhattan; where, according to Wikipedia, 75% of the people do not have a car. If you are one of those people, here are some choices and guidelines to consider when you get the itch or need to take the wheel.
Car Rental
Renting a car perceivems like a cute straight forward event: You maybe chose a rental company based things such as the best rates, availability and convenience of their place. Actually there are a few other decisions to make and we don't mean the choice of an economy, compact, mid-sized or luxury car. Another important choice you require to make is with the insurance these companies offer, which you can accept or refuse.
Before you rent a car, keep in mind that it's a good idea to give a call your credit card company to perceive if they offer any level of insurance coverage on car rentals if you pay for the rental using their card. Some credit card companies will offer collision coverage if you use their card.
Another avenue is your have car insurance. If you don't own a car then obviously you won't have car insurance, but if you do, check to see what sort of coverage your insurance company provides on rentals.
If you don't currently have a car but plan to rent with frequency, you have another choice that is worth considering, purchaseing a non-haveer auto liability insurance policy from an insurance company. These policies cost around $300 per year and typically provide coverage for break you may cautilize to some else's car and liability for injuries to its occupants, or to pedestrian, in the event of an accident. A non-haveer auto liability policy will also provide medical payment coverage for you and your passengers, and uninsured and under-insured coverage.
Nevertheless, what it does not offer is collision coverage which you will need in case you smash up the rental car. If you choose to purchase this type of policy make sure you understand what it covers. If you need more coverage, find out about adding an umbrella policy to the non-owner auto liability policy.
Car Accident Injury------------------------- Car Accident Injury
If you only rent a car irregularly, then it may make more sense to purchase the daily coverage offered at the car rental counter, which is your other choice. Here are the types of coverage they give:
Collision Damage Waiver - This coverage usueveryy expenses between $10 and $20 per day and will relieve you of any financial responsibility in the event that the rental car is stolen or damaged.
Liability Insurance - This coverage usueveryy costs between $10 and $15 per day and offers excess liability coverage of up to $1 million for the time you rent a car.
Personal Accident Insurance - This coverage usually costs between $1 and $5 per day and covers you and your passengers for medical/ambulance bills. If you carry adequate health insurance it may not be necessary to buy additional coverage from the rental company.
Personal Effects Coverage - This coverage usually costs between $1 and $4 per day and protects you against theft of personal substance in your car. You may not need this if you have homehaveers or rental insurance.
Car Share Programs
These programs along with their vibrantly colored fleet of vehicles are popping up in most major urban areas. Why pay for a car that sits parked all week if you only need one occasion? The membership charges for most car share programs cover the costs of the car, insurance, gas and every maintenance. After that members may be charged an hourly charge and pay a smevery fee for mileage. The advantage to these programs is that a driver doesn't have the responsibility of owning a car, and doesn't have to worry about parking, insurance, repairs or maintenance, the latter of which is especieveryy annoying if you've ever haveed an older car.
There are also environmental benefits to these programs specially because sharing a car reduces the number of vehicles on the road. In traffic-jammed cities like San Francisco, taking cars off the road to reduce congestion and greenhouse causing-gases just makes sense.
In areas where people are familiar to driving everywhere but are considering the switch to a car sharing program, it is a better idea to first review: how many miles you're driving in a month, how often, and to notice which trips were necessary and which one's weren't. For those who are very dependent upon their car, these programs might not be a fit. For those who already utilize public transportation or drive minimally, these programs are a fit. For those who don't have a car, car share programs give you the wheels when you want and require them!
Car Accident Injury------------------------- Car Accident Injury
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