Kamis, 15 April 2010

personal auto insurance: Car insurance and renting a car in Canada, Europe and Mexico

Your car insurance generally covers you when renting a car in the U.S. and Canada. In fact, both countries usually recognize the same liability, comprehensive and collision coverage limits on your current policy (less the deductibles, of course). Unfortunately, it’s not the same everywhere.

Mexico. Most American car insurance companies provide auto insurance coverage for driving within Mexican border areas only. Mexican auto liability laws lend themselves to purchasing insurance from the Mexican rental company. Check out Auto Europe’s Mexico site for rental information in Mexico.

Europe. Your American auto insurance policy is usually not valid in Europe. Therefore, it is best to purchase the insurance offered. Keep in mind that many foreign and third world countries don’t recognize standard insurance regulations, so make sure to ask if your insurance will be recognized in the countries you plan to visit. Check out Auto Europe for rental information in many European countries.

A note on credit cards. Most drivers don’t realize that their credit cards may also provide you with additional auto insurance if you use the card to pay for the rental. Check the terms of your credit card to see if additional coverage is provided.

Check your policy first! Before renting a car anywhere, check your policy language to make sure you are covered. If you do purchase insurance (the complete package, part of the package or any additional required coverage), make sure you know the charges you would be responsible for should an accident occur. It’s worth a couple extra minutes at the rental desk! For information about auto insurance and the law, check out our FreeAdvice Auto Insurance Legal FAQs.

Minggu, 11 April 2010

Personal Umbrella Insurance

Progressive stands behind you and your family when the unexpected happens.

Our Personal Umbrella insurance offers additional insurance protection above your current auto and homeowners policies that secures the lifestyle you've worked hard for.

Your assets, your college fund, your nest egg, your retirement savings — they could be at risk from legal liability claims without the right level of coverage.

With Personal Umbrella coverage you can choose up to $5 million in added liability protection.

Choose Progressive Personal Umbrella coverage for:

* UP TO $5 MILLION IN COVERAGE that extends well beyond your home and auto insurance policies
* PERSONAL INJURY COVERAGE for claims of libel, slander, defamation of character and more
* WORLDWIDE COVERAGE for incidents that happen abroad
* VACATION RENTAL LIABILITY protection for boats, jet skis, scooters and other rentals
* DEFENSE COVERAGE for attorneys' fees and other legal costs

How Personal Umbrella Coverage Protects You

Consider this scenario: You're sued for $1 million after an auto accident or an incident on your home or property. But your insurance only covers up to $500,000 in damages. Who's responsible for the other $500,000 if you're ordered to pay it? You are — unless you have Personal Umbrella insurance.

Progressive's Personal Umbrella insurance covers you and your family by paying claims that exceed the liability limits of your existing auto or homeowners policy. With Personal Umbrella coverage, your home is safe. Your lifestyle is safe. You're safe.
Who Needs Personal Umbrella Coverage?

Progressive's Personal Umbrella insurance isn't just for the wealthy. It's for everyone. That's why we offer comprehensive and affordable protection.

If you drive a motor vehicle or you own a home or condominium, you're vulnerable to legal action and large judgments. If you have an ATV, RV, boat, or motorcycle, your need for extra protection is even more important.
Stay in Control — Even if You Can't Control Events

Your lifestyle is precious. Your family's security is essential. And, less than $1 a day can protect the comforts and the people you hold dear.*

To learn more, please call us at 1-877-777-1783 (Monday - Friday: 7:00am to 11:00pm). We're here for you — and your peace of mind.