It s that time of the year again, when parents start fretting and high school and college students a

It s that time of the year again, when parents start fretting and high school and college students are wired for spring exotic car rentals in chicago illinois break trips. Our No-Fault insurance attorneys want to help keep students and travelers safe this season by reviewing some important auto insurance issues.
First and most important, there are more than a hundred auto insurance companies writing Michigan No-Fault policies, and my advice can t possibly apply to all of them, so it s best to call your auto insurance agent before a trip, to see how your No-Fault coverage applies in case of an auto accident out of state.
That aside, most drivers have no idea if they should purchase the additional insurance offered by rental car companies. When it comes to renting a car especially when we re talking about out-of-state rental exotic car rentals in chicago illinois cars No-Fault insurance attorneys will almost always exotic car rentals in chicago illinois recommend purchasing rental car coverage.
The big reason is car damage. With most No-Fault policies today, there is an open question on whether the car damage to a rental car will be covered by your own auto No-Fault policy, even if you have purchased collision coverage for your vehicle. Ask your insurance agent about car damage and whether the coverage on your personal vehicle extends to a rental car. In many cases, renters are not appropriately covered and should purchase the additional insurance to minimize the risk. Even if a car accident is not your fault, you don t want to get stuck with a $20,000 bill for vehicle repairs.
The good news is if you have No-Fault in Michigan and you are injured in a car accident in another state, you will still be able to collect No-Fault benefits currently exotic car rentals in chicago illinois the nation s best for medical bills, wage loss, replacement services, mileage, and attendant care. But for out-of-state rental use, the main risks of only relying on your own Michigan No-Fault insurance policy and not purchasing the additional rental coverage include uninsured and underinsured coverage, the possibility of a reduced bodily injury coverage that can leave you personally exposed, and as said above, car accident collision exotic car rentals in chicago illinois damage to the vehicle.
exotic car rentals in chicago illinois The RBI (residual bodily injury coverage that your policy would pay for if another person is injured in a car accident that you caused) may be reduced down to the minimum bodily injury requirements of $20,000. Check your policy language or call your agent.
Also, very important insurance coverages that our lawyers strongly recommend everyone carry such as uninsured and underinsured motorist coverage , may not transfer over to the rental car you are driving if you become seriously injured in a car accident. Again, check and find out before you leave with your agent.
In general, as with most insurance contracts, rental car insurance policies are deliberately written to be confusing. They also include a lot of exceptions and exclusions that, combined with the exceptions and exclusions of your own auto No-Fault exotic car rentals in chicago illinois policy, have been the subject of many seminars for lawyers and insurance adjusters on what is and isn t covered.
Insurance policies and contracts for rental cars change often. If you are on the fence, it s safest to assume exotic car rentals in chicago illinois with rental cars that your own Michigan No-Fault policy will likely be deficient and will not protect you fully if you re involved in a car accident in a rental car out of state.
Our attorneys wish everyone exotic car rentals in chicago illinois a safe and happy spring break. Call one of our No-Fault attorneys at if you ve been injured in an out-of-state accident, and are concerned about your Michigan insurance rights.
Michigan Auto Law is the largest law firm exclusively handling car accident, truck accident and motorcycle accident cases throughout the entire state. We have offices in Farmington exotic car rentals in chicago illinois Hills, Detroit, Ann Arbor, Grand Rapids and Sterling Heights to better serve you. Call for a free consultation with one of our insurance attorneys.
Disclaimer: This information is for general informational purposes only and should not be relied upon as legal advice without consulting with a licensed attorney. This is not intended to substitute for the advice of an attorney. The law is subject to frequent exotic car rentals in chicago illinois changes and varies from one jurisdiction to another. Some of the information on this site may be deemed attorney advertising in some states. No attorney-client relationship is formed nor should exotic car rentals in chicago illinois any such relationship be implied. Past results are no guarantee of future results. A licensed attorney responsible for the content of this site can be reached at .