If you are traveling in your own vehicle out of state, then the current auto policy that you have
should cover you wherever you travel within the United States. If you are traveling outside the
US in your own vehicle, then you should speak to your insurance agent as to how your coverage
will apply as you might need to purchase additional coverage solely for that trip.

If you rent a car, you will be offered additional coverage to purchase. We recommend you do two
things prior to buying or declining coverage with the car rental company. First, call your
insurance agent to find out what coverage you have and how that will apply to the rental car.
Secondly, contact your credit card company to find out if they extend you any rental car
coverage benefits if you use that credit card to pay for the rental.

I always buy the” loss damage waiver” coverage when renting a car as I know that even though I
have collision coverage, this will not pay the deductible I will incur if I damage the rental car,
nor will it pay for loss of business use if the rental car is out of commission due to repairs or a
total loss. My collision coverage also will not reimburse the rental car company for the loss in
fair market value (diminishment of value) of the rental car after repairs. The “loss damage
waiver” purchased from the rental car company will pay for this damage though.

Most credit card companies offer some type of property damage coverage, although limited.
Some might reimburse you for your deductible on your collision coverage, or at least a portion
thereof, as well as possible other rental coverage benefits. It just depends, so contact your credit
card company to determine what they cover.

Boating and riding personal watercraft, like wave runners, is very popular during the summer,
but once again make sure you are properly insured. You should base the purchase of watercraft
coverage on the same criteria as you would use for the purchase of car insurance. Buy liability
coverage on the basis of what assets you have to lose, and Uninsured/Underinsured coverage on
the basis of who you need to protect, as well as to what extent.

If you are renting a vessel, such as through a boat club, inquire as to what coverage they provide,
and then check with your insurance agent if you have any concerns.

Lastly, if traveling abroad or on a cruise, you might want to entertain the thought of purchasing
travel coverage which can provide you health insurance benefits for treatment that your own
health insurance might not cover. Once again, call your health insurance and verify whether this
is necessary before spending the additional money.

We hope everyone has an amazing summer full of fun adventures with family and friends!
As always, if you should have any questions, or need further information concerning this, or any
other legal matter, please reach out to us. We are always here for YOU!

Chuck and Sarah

The post Summer is here! first appeared on Philips & Raaymakers Law.