Rental Car Insurance Klamath Falls, OR

What are my insurance options for rental car coverage?

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You know (or should know) exactly what your auto insurance covers if you get into an accident with your vehicle. But what if you are driving a vehicle that is not yours, specifically what if you are driving a rental car? Whether it be for a business trip, vacation or just a loaner while your vehicle is in the shop, driving a rental car is an experience we all share. Does your auto insurance coverage extend to your rental car?

Auto Insurance Coverage for a Rental Car in Oregon:

 

  • Your auto insurance: Liability coverage is required by law, though amounts vary by state. If you have collision and comprehensive insurance coverage on your primary vehicle insurance policy the coverage typically transfers to your rental car as long as all vehicles you own are insured. If you are involved in an auto accident in your rental car the damage should be covered under your Collision and Liability policy*. Typically this means any collision damage to your rental vehicle or property damages to another vehicle (if you are found to be at-fault) as well as any injuries sustained in the accident may be covered. Collision and Liability will not cover personal effects in your vehicle that may have been damaged in a collision.
  • Insurance from the rental company:  When you rent a vehicle, you are always asked if you would like to purchase rental car insurance. This decision is purely up to you. If you have Collision and Comprehensive insurance it may be a bit redundant, however if you don’t carry the coverage it will be required to be purchased from the rental company. Insurance from the rental company typically covers theft, vandalism and collision damage to the vehicle, though there may be excluded events like damage that occurs while driving under the influence. Each rental insurance terms will vary, so it is best to discuss what is covered and what is not with the specific rental company. In terms of liability coverage, the rental company insurance policy typically includes a one million dollar limit, however this can vary between companies. Insurance from the rental company is usually fairly inexpensive, typically starting in the $20 per day range.
  • Extra protection: A simple way to get extra insurance protection in the event you are found negligent or liable in an accident is to have a personal umbrella policy. A personal umbrella policy will often extend your coverage to a rental vehicle. Not used in cases for minor fender-benders, but if you are in a serious accident and an injured party has high medical bills, a personal umbrella policy could protect your assets.

*Every claim is unique. To ensure that you’re properly covered, it is requested that you speak with your insurance agent to ensure you have the right coverage in place and that that coverage will transfer to your rental vehicle.

Your auto insurance policy does likely offer limited coverage with a rental vehicle and for most folks that is enough coverage. If you plan on having personal items in your vehicle or will have your rental car for an extended period of time, having additional coverage from the rental car company may be a smart move. Find yourself needing a rental car? Talk to the experts at Pacific Ridge Insurance in Klamath Falls, OR. Your local, independent insurance agents can walk you through what may or may not be covered by your current auto insurance policy and help you decide if additional coverage is right for your situation. They can also assist you with a personal umbrella policy. You can visit their insurance website 24/7 for more details.

RV Insurance Klamath Falls, OR

Is your RV insurance in Klamath Falls, OR right for your travel style?

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You are enjoying your family road trip or living full time in your RV. Seeing the country one highway at a time and making lasting family memories. The last thing you want is an accident or lawsuit that will take up valuable time and resources. Taking the proper precautions like making sure you have a first aid kit, fire extinguisher and have the appropriate RV insurance in Klamath Falls, OR can go a long way to keeping your family safe and giving you peace of mind while you are enjoying all your RV has to offer.

Primary RV insurance policies in Oregon:

Full Timers Coverage: Do reside primarily in your RV? Whether is it is permanently parked or you roam across the country, an RV insurance Full Timers Coverage policy helps protect your RV like homeowner’s insurance.

  • Liability coverage if you are responsible for an accident on your property
  • Medical payments for an accident for which you are responsible
  • Coverage if your property is damaged or stolen
  • Contents of a storage shed near your property

Vacation Liability: Your local, independent insurance agency in Klamath Falls, Oregon can assist you with an RV insurance vacation liability policy for your RV. When vacationing, there are certain situations that you may not have control over when your RV is parked:

  • Injury of a third-party by equipment owned by you or around your RV
  • Injuries to a third-party by an animal under your care
  • A fire caused by sparks from a campfire, vehicle back-fire, etc.

The most important think to know about a Vacation Liability policy is that it covers events while your RV is parked, not while it is moving.

There are many options out there when looking to cover your RV and your local independent agents at Pacific Ridge Insurance can help you navigate your options to find the best coverage for your needs. They can also assist with an ATV policy for your other summer toys. Whatever your insurance needs, talk to the experts at Pacific Ridge Insurance in Klamath Falls, Oregon.  Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.

Boater's Insurance in Klamath Falls, OR

Will your boater’s insurance in Klamath Falls keep you afloat?

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The sun is shining, the water is warm and boating season is upon us. By now you’ve probably prepped the boat, made sure your boating license is valid and planned outings with family and friends, but have you looked at your boater’s insurance? There are many coverage options available in Klamath Falls, Oregon, and using a local, independent agent guarantees that you will have many coverage options, so you can pick a policy that suits your needs before heading out to the water.

The 411 on boater’s insurance in Oregon:

  • Bundling: It may not be possible to bundle your boater’s insurance with an existing policy, like homeowner’s insurance, as there may be restrictions on the type of boat you own. In order to fit under a homeowner’s insurance policy, boats may need to be under a certain length and under a certain price point.  There is a down side to having your boat covered under a homeowner’s insurance policy: specialized coverages may be limited or not available.
  • Specialized Coverages: These types of coverages can include On-Water Towing, helpful when your boat runs out of gas or has a mechanical issue mid-outing. Fuel Spill and Wreckage Removal may help keep you covered in the event your boat leaks fuel or if there is an accident; otherwise you may be on the hook for clean-up expenses. You may also want to consider Uninsured Boater coverage. Just like Uninsured Motorist coverage for your car or truck, this may help with expenses if your boat is hit or damaged by another boater without proper boater’s insurance coverage. Specialized Coverages may also include Personal Effects coverage.
  • Travel: Planning to sail your boat to the Bahamas? Can we go with you? Whether you are sailing your boat to a sunny tropical locale or sailing her on a tranquil lake in Canada, you need to make sure that your boater’s insurance covers travel outside your state and country. Some insurance plans may cover waterways in the continental U.S., but may not cover international waters or may only cover a boat in international water within a certain mile radius from the U.S. coast. Check with your agent to see if your plan coverages international travel.
  • Replacement: We hope that you never have to replace your boat due to an accident. In order to avoid costly out-of-pocket expenses to replace your boat, make sure that you have the appropriate replacement coverage in place long before you hit the water. There are two options for replacement coverage: Total Loss Replacement and Agreed Value coverage. Total Loss Replacement is just that, a replacement of your boat. However this type of coverage may not be offered by all insurance carriers, more likely than not the carrier will provide Agreed Value coverage. This is the value of your boat, agreed upon by you and your agent before you sign the policy.

There are many options out there when looking for boater’s insurance in Klamath Falls, OR and your local independent agents at Pacific Ridge Insurance can help you navigate your options to find the best coverage for your needs. They can also assist with a personal watercraft policy for your other water-traveling toys. Whatever your insurance needs, talk to the experts at Pacific Ridge Insurance in Klamath Falls, OR.  Their years of insurance experience can save you a bundle!  You can also visit their insurance website 24/7 to learn more about the other valuable insurance products they offer.