What is Rental Reimbursement Coverage (And Do You Really Need It)?

As you look through your auto policy documents, you might have seen a coverage called Rental Reimbursement.  What is this?  And do you REALLY need it? 

Basically Rental Reimbursement coverage is there to help you when your car is unavailable due to a covered claim. 

Let’s say that you had a fender bender and your car is in the shop for a few days getting a new bumper.  Or after a major storm, you’ve got hail damage that needs to be repaired.

While the car is being repaired, what will you drive? 

That’s where Rental coverage comes into play.  With this coverage, the insurance company will pay a certain amount per day (based on your policy) towards a rental car.  That way, you’re not inconvenienced while the repairs are being made. 

We highly recommend that you have this coverage, however there are a few situations where it might not be necessary.

If you own multiple vehicles and could easily drive another while your car is in the shop, you may not need rental coverage.  And if you rarely drive your vehicle, don’t have a job that requires you to drive daily, and could easily stay home for a week and walk where you need to go, you may not need rental coverage either.

If you’re not sure what’s best for you, then give us a call to discuss exactly how much the coverage will cost you each month and what different levels are available.  We look forward to helping you choose the right insurance coverage!

New Law on the use of Headlights!

The Legislature has passed a new law that would require drivers to turn on their headlights whenever they turn on their windshield wipers. 

The new law, M.G.L. c. 85, § 15 takes effect on April 7, 2015. Below is the wording of the new section of the law:

A vehicle, whether stationary or in motion, on a public way, shall have attached to it headlights and taillights which shall be turned on by the vehicle operator and so displayed as to be visible from the front and rear during the period of 1/2 hour after sunset to 1/2 hour before sunrise; provided, however, that such headlights and taillights shall be turned on by the vehicle operator at all other times when, due to insufficient light or unfavorable atmospheric conditions, visibility is reduced such that persons or vehicles on the roadway are not clearly discernible at a distance of 500 feet or when the vehicle’s windshield wipers are needed; provided further, that this section shall not apply to a vehicle which is designed to be propelled by hand; and provided further, that a vehicle carrying hay or straw for the purpose of transporting persons on a hayride shall display only electrically operated lights which shall be 2 flashing amber lights  to the front and 2 flashing red lights to the rear, each of which shall be at least 6 inches in diameter and mounted 6 feet from the ground.

As a result, the list of surcharge-able incidents has been amended by adding two new requirements effective April 7, 2015.

1. Motorists are now required to turn on headlights and taillights whenever the windshield wipers are on.

2. Motorists are also required to turn on headlights and taillights when visibility is reduced so that persons or vehicles are not visible at 500 feet due to insufficient light or unfavorable atmospheric conditions.

The requirement to turn on headlights and taillights 1/2 hour after sunset and 1/2 hour before sunrise has not changed.

Rental Car Contract Cautions

Have you felt pressured when renting a car to purchase the Collision Damage Waiver? Most rental car contracts include provisions that will invalidate the Collision Damage Waiver (for which you pay a hefty fee) for any of the following reasons:

• if you leave the keys in the car
• if you drive on dirt roads
• if you let anyone other than drivers listed on the contract drive the vehicle (Note: this includes valets!)
• if you drive under the influence of intoxicants

Remember that Collision Damage Waivers are not insurance and therefore are not regulated by insurance departments. You are at the mercy of the rental car companies so be sure to read the contract carefully.