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Vacation Car Rental… are you covered?

Do you need a vacation car rental?  Do you have the right coverage?

vacation car rental

Would you be covered for a vacation car rental under you personal auto policy?… short answer… Yes.

Your personal automobile insurance will follow for personal vacation car rental (no buses, or commercial trucks, etc..)

Generally, if you have liability part 5 Optional Bodily Injury liability coverage and physical damage coverage (collision and comprehensive) coverage, the coverage will follow you to the car you are renting everywhere in the U.S and Canada.   If you are in Mexico, overseas, or anywhere outside the U.S and Canada, you must purchase insurance coverage through the rental car company.

NOTE:  Liability Part #1 only applies to accidents that occur in Massachusetts.  In order to have bodily injury coverage outside of Massachusetts, you must purchase part 5 (Optional Bodily Injury) coverage.   Parts 3 Uninsured and Part 12 Underinsured will follow also.

 

Rental Reimbursement coverage on your policy does not cover damage to or caused by rental cars.  If you have this coverage part listed on your policy, you can only use it to rent a replacement vehicle if your personal vehicle is not useable due to a covered accident.  This coverage does not afford coverage to a rental or damage caused while you are driving a rental car.

Reasons to purchase insurance coverage from the car rental agency:

  • Loss of use coverage: The period of time that the damaged rental car is being repaired and not useable by the car rental company.  Loss of use coverage is not covered under your automobile insurance policy.

Check with your credit card company.  Some credit card providers offer free coverage if you use their card to pay for a car rental.  Be sure to read/ask for an exact description of what is and what is not covered.

If you chose to purchase insurance from the rental company, check to see what is and what is not covered.  If personal effects are not covered, they may be covered by your homeowners or renters insurance policy.  The Damage waiver coverage may duplicate coverage you have on your policy.  Supplemental liability coverage may provide more liability coverage than you carry on your policy.  If you have adequate liability coverage on your car and an umbrella policy if you own a home and auto, you may want to forgo this coverage.  Contact us to review your current coverage before making this decision.

For more information contact us at www.chaseins.com or by phone 413-788-4531

Halloween Safety! – From the CDC Department of Health and Human Services

Halloween Health and Safety Tips

 

For many people, autumn events like Halloween and Harvest Day are fun times to dress up in costumes, go trick-or-treating, attend parties, and eat yummy treats. These events are also opportunities to provide nutritious snacks, get physical activity, and focus on safety.

Check out these tips to help make the festivities fun and safe for trick-or-treaters and party guests.

Going trick-or-treating?

Alphabet letter S Swords, knives, and similar costume accessories should be short, soft, and flexible.
Alphabet letter A Avoid trick-or-treating alone. Walk in groups or with a trusted adult.
Alphabet letter F Fasten reflective tape to costumes and bags to help drivers see you.
Alphabet letter E Examine all treats for choking hazards and tampering before eating them. Limit the amount of treats you eat.
Alphabet letter H Hold a flashlight while trick-or-treating to help you see and others see you. Always WALK and don’t run from house to house.
Alphabet letter A Always test make-up in a small area first. Remove it before bedtime to prevent possible skin and eye irritation.
Alphabet letter L Look both ways before crossing the street. Use established crosswalks wherever possible.
Alphabet letter L Lower your risk for serious eye injury by not wearing decorative contact lenses.
Alphabet letter O Only walk on sidewalks whenever possible, or on the far edge of the road facing traffic to stay safe.
Alphabet letter W Wear well-fitting masks, costumes, and shoes to avoid blocked vision, trips, and falls.
Alphabet letter E Eat only factory-wrapped treats. Avoid eating homemade treats made by strangers.
Alphabet letter E Enter homes only if you’re with a trusted adult. Only visit well-lit houses. Don’t stop at dark houses. Never accept rides from strangers.
Alphabet letter N Never walk near lit candles or luminaries. Be sure to wear flame-resistant costumes.

Frankenstorm 2012 – You are not welcome!

Prepare for Frankenstorm 2012!

It is hard to believe that the Northeast is  facing another potential  October storm that include snow almost to the exact day of the October 2011 storm.    Are you prepared?

Here are some tips:

  • Have plenty of water, at least one gallon per person per day, don’t forget about your pets
  • Prepare a supply of non-perishable food such as canned or dried,  don’t forget about your pets
  • Have a list of Emergency contacts
  • Flashlights, batteries and a battery powered weather radio
  • First aid kit and a  supply of your prescription medication
  • Have cash on hand in the event that ATM’s are not working
  • Charge your cell phones
  • Fill your vehicle gas tanks
  • Test and prepare your back up power generators – contact a qualified electrician regarding proper usage
  • Make sure generators are located outside with the exhaust nowhere near any fresh air vents returning to the home or open windows
  • Secure any outside property such as lawn furniture, toys, bikes, gas grills, etc.
  • Make sure your smoke detectors/carbon monoxide detectors have fresh batteries and are operating properly
  • Try to keep your refrigerator and freezer doors closed to preserve food
  • Use battery operated candles, tea lights and flashlights instead of open flame candles during power outages

Try adding ping4alerts! to your smart phone.  Massachusetts emergency management officials will now be sending out warnings about hurricanes, floods, blizzards, and other potential dangers, even terrorist threats, to state residents via this  mobile app developed by a Nashua technology start-up.  You can download this app for free by visiting your phone’s app store.

 

Check out the latest information about the so-called Frankenstorm of 2012 closely approaching.  

 http://www.huffingtonpost.com/2012/10/26/frankenstorm-2012-hurricane-sandy_n_2022333.html

 

A Bear crashes through your window… Are you covered?

 bear crashes

Answer: Yes, If a bear crashes through your window, your Homeowners policy will cover it, subject to your policy deductible.

But what if the bear crashes through the window and then comes in the house and damages your contents and personal property?  Under the standard Homeowners policy there would not be coverage, but if your policy includes “special personal property coverage”, you’re all set!

Animal damages not covered by home insurance.

Animals owned or kept by an insured are not covered by home insurance as well as vermin, rodents, insects and birds.  Descriptions below:

  • ver·min
  1. Various small animals or insects, such as rats or cockroaches, that are destructive, annoying, or injurious to health.
  2. Animals that prey on game, such as foxes or weasels.
  • ro·dent n.
  1. Any of various mammals of the order Rodentia, such as a mouse, rat, squirrel, or beaver, characterized by large incisors adapted for gnawing or nibbling.
  • in·sect
  1. Any of numerous usually small arthropod animals of the class Insecta, having an adult stage characterized by three pairs of legs and a body segmented into head, thorax, and abdomen and usually having two pairs of wings. Insects include the flies, crickets, mosquitoes, beetles, butterflies, and bees.
  2. Any of various similar arthropod animals, such as spiders, centipedes, or ticks.
  • bird
  1. Any of various warm-blooded, egg-laying, feathered vertebrates of the class Aves, having forelimbs modified to form wings.
  2. Such an animal hunted as game.
  3. Such an animal, especially a chicken or turkey, used as food

 

To learn more visit www.chaseins.com

Chase, Clarke, Stewart & Fontana Insurance unveils new website

Chase, Clarke, Stewart & Fontana Insurance Agency is proud to unveil our new website www.chaseins.com.  This Mobile friendly site gives you access to information to help you make the best decision, any time day or night.  You can report a claim, request a free quote, or even enter an inquiry all with just the touch of a button.

What do you think of our new website?

Chase, Clarke, Stewart & Fontana Insurance Agency is an independent full service insurance agency that has earned a place of distinction and integrity within the Western Massachusetts community since 1827.  For over 180 years we have served our valued clients, in the Western Mass area.

We are a business built on Service and Integrity.  We believe that quality work and honesty with our  clients has been the key to our success.  Customer satisfaction is most important to us, and each person in the agency works hard to accomplish this.  Let us show you why we have been able to serve our clients for so long.  Chase, Clarke, Stewart & Fontana Insurance agency provides:

  • Personal Auto Insurance
  • Homeowners Insurance
  • Commercial Auto Insurance
  • Business Owners Insurance
  • Cyber Liability Insurance
  • Financial Services
  • and much more…

To learn more about Chase, Clarke, Stewart & Fontana Insurance Agency please visit our profile page.