I’m about to rent a car for one day travel for the first time ever but I have some questions.
1. They give me these options for insurance, but what’s the difference and what to they cover.
- Pre-Reserved Full Damage Waiver
- Supplemental Liability Insurance
Priceline.com offers ‘Collision Damage Insurance,’ but what is that and does it mean; that I don’t have to buy insurance from the renter?
2. Do I have to present anything i.e. I.D., existing car Insurance (I don’t have a car)
3. Do I have to Pay for gas?
4. Do I have to sign a contract?
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I have a 2000 Chevrolet Malibu LS with close to 175,000 miles. Other than the water pump gradually wearing out (had to replace it at about 155,000 miles), I have had absolutely zero problems. I have routine maintenance done by my hometown mechanic, i.e., oil changes about every 3000 miles or so, tune-ups, fluid changes, annual internal "visual check-ups" to make sure "nothing is ripped, torn, and is otherwise in good working order, etc., etc. I still have the original alternator as well. I also have the car on just liability insurance (enough to keep me legal *lol*). I also have AAA.
Let me cut to the chase. I have never been in debt in my life (I’m 37) and I have trouble visualizing myself paying 00 a year (full-coverage insurance and car payments) for four to five years.
I drive this Malibu 65 miles a day to and from work, 55-60 MPH on cruise (it’s a straight four-line highway). We also take occasional weekend drives (sometimes up and down the hills of Arkansas).
Am I doing right by keeping this vehicle until it poops out? (My piano teacher has a Chevy that has 270,000 miles on it and they’ve had no trouble with it, either).
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My husband’s assitant travels twice a month to another business establishment to do screenings for him. She requested to be able to do this and we are all for it. She is an hourly employee making /hr + extra if she hits her monthly goals (she has no computer skills what so ever, can’t even use word or open it up). Today she informed us that she thinks we need to pay to have her as an insured driver because she only pays for liability insurance for herself and if something were to happen on her way to the other place she wouldn’t be able to cover her medical bills, the other car, or anything else. I don’t think it should be our job to pay for her car insurance for such infrequent work related driving. In addition the place she drives to is less than 5 miles away. Are there liability issues on our end if she gets in an accident in her car while on our watch? Could we be sued to pay the damages if she can’t or won’t pay? Is she justified in requesting us to pay her insurance?
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pleased help me answer this 
.
1. Liability insurance protects you against:
A. claims from an uninsured motorist
B. claims if you are not at fault in a collision
C. claims if you are at fault in a collision.
D. all of the above
2. The high accident rate of large trucks is caused in large part by ________.
A. fatigue
B. speeding
C. weather conditions
D. equipment malfunctions
3. A _____ limit applies when traveling near school zones where children are outside or crossing the street.
A. 10 mph
B. 20 mph
C. 25 mph
D. 35 mph
4. The majority of pedestrian fatalities occur:
A. at intersections
B. in cross-walks
C. when a pedestrian suddenly runs across the path of a vehicle
D. in parking lots
5. If your vehicle stalls in the middle of the roadway, you should:
A. turn on your headlights
B. move off the roadway as quickly as possible
C. immediately call for help
D. try to get someone to assist you
6. At intersections without marked crosswalks, who has the right-of-way?
A. the vehicle on the right
B. the vehicle that arrives first
C. bicyclists
D. pedestrians
7. On a three-lane highway that designates one lane of traffic for each direction, the middle lane is used for:
A. emergency vehicles
B. regular through traffic
C. parking
D. vehicles making left turns or passing
8. You are NOT allowed to make U-turns:
A. on two-way streets
B. from left turn lanes
C. in front of fire stations
D. unless a sign permits it
9. _______ of all wrecks occur within 25 miles of home.
A. One-quarter
B. Half
C. Two-thirds
D. Three-quarters
10. Large trucks take _________ to stop than other vehicles traveling at the same speed.
A. a longer time
B. a shorter time
C. the same amount of time
D. very little time
11. A truck takes ________ to accelerate and brake than does a car.
A. less time
B. the same amount of time
C. more time
D. almost as much time
12. When the road gets rough with potholes, bumps, mud clumps, and loose sand or gravel, you should __________ to retain control of your vehicle.
A. slow down
B. pull over
C. shift to a lower gear
D. ride your brakes
13. When you see animals on the road, you should:
A. honk your horn
B. flash your headlights
C. slow down and be prepared to stop
D. accelerate
14. After completing your pass, you should return to your lane:
A. when you can see both headlights of the vehicle you just passed in your rearview mirror
B. as soon as possible
C. when you are one car-length ahead of the vehicle you just passed
D. when you see oncoming vehicles approaching
15. A Class ____ license allows you to ride any motor bike.
A. C
B. MC
C. M1
D. 2
16. _______ paint on a curb means no stopping, standing, parking, loading, or unloading.
A. White
B. Yellow
C. Green
D. Red
17. Which of the following is an unsafe area to drive?
A. in another vehicle’s blind spot
B. side-by-side another vehicle
C. in clusters of vehicles
D. all of the above
18. California law requires those under ___________ to wear a properly fitted and fastened bicycle helmet while operating a bicycle or riding on one as a passenger.
A. 12 years of age
B. 16 years of age
C. 18 years of age
D. 21 years of age
19. _________ occurs when a thin film of water builds up between the tires and pavement and makes steering and braking practically impossible.
A. Velocitation
B. Highway hypnosis
C. Hydroplaning
D. Skidding
20. Two-lane, undivided highways have a speed limit of ______.
A. 35 mph
B. 45 mph
C. 55 mph
D. 65 mph
21. If you have a green light, it is __________ to enter an intersection if your way through it is blocked.
A. your right
B. safe
C. to your advantage
D. against the law
22. Ice tends to form in shady areas, as well as:
A. on freeways
B. on the shoulder of the road
C. on railroad crossings
D. on bridges and overpasses
23. _________ refers to speeding without realizing it.
A. Highway hypnosis
B. Velocitation
C. Road rage
D. Inertia
24. Implied consent means that drivers agree in advance to take a blood alcohol concentration test:
A. only if ordered by a judge
B. only on the advice of an attorney
C. if an accident has occurred
D. whenever they drive in California
25. ____________ are the most frequent victims of collisions between vehicles and pedestrians.
A. The handicapped
B. Women
C. Children
D. The elderly
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i was on vacation and 2nd day of the trip i was hit by a semi. I’ve been dealin with insurances now for 2 months. I’m fed up with dealing with this mess and im thinking about calling monday and talking to the trucking company directly to negotiate a settlement. according to http://www.autoinsuranceremedy.com/california-auto-insurance.php
cali. minimum liability is 30,000 and im thinking about just asking for that and ending the transition.
1. would they be likely to just settle for that amount? because we have talked about setteling after they pay my medicals and i get a new car.. but i figure skip all that and gimme the 30 and itll pay everything.
2. Is this a reasonable amount to ask for, and does cali state law back me (or what does "minimum liability insurance" mean)?
3. Do you have any advice on what i should say, do or go about this? besides lawyers because ive already went that route and i could continue but i just want to settle and be done with this… lawyers take too long. i mean by all means if they deny me i will continue through my lawyer and i feel in this particular case i would win anyways and the trucking company knows this.
thanks.
ps. i have talked to the trucking company regularly and they have been sending me checks to pay for my rental since the insurance (geico) has paid as much as they were obligated to. Now (according to geico) i have to deal with the trucking company directly for any other claims and so i have been. I have a lawyer but feel that he hasnt been too much help. Pretty much everything that i have gotten is only because i called May Trucking company myself and they have been pretty compensating and said themselves they would like to settle. Im thinking say i want the 30 000 and that will cover the rest of my rental money they owe me. cover the overdraft fee they caused to my account (long story) and also cover my medical bills. What are my odds.
and again what does "minimum liability insurance" mean?
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Hi, I am going on a holiday from Australia to the USA and Canada in March. I have purchased travel insurance and it states
"Section 16 Rental Vehicle – Up to 00
Cover for car excess payable on Motor Vehicle Insurance resulting from your rental vehicle being:
* Stolen
* Crashed
* Damaged and/or cost of returning rental vehicle due to you being unfit
The 00 would cover the excess from the rental car company but do I need some sort of liability insurance too? As I will be hiring a few cars for about a month. The companies I’m looking at are National car rental and Thrifty. I’ll be picking up the car at LAX
Any advice would be good thanks
Why would they offer international travel insurance if its not valid in another country?
Technorati Tags: australia, canada, cars, going on a holiday, insurance, international travel insurance, liability insurance, motor vehicle insurance, national car, rental car company
I’m planning a trip for 6 students and myself to France. We don’t want to go with a tour group and haven’t had any problems until now. I’m looking for a company that will give use both liability insurance and medical coverage during our trip. Does anyone have any advice?
Technorati Tags: insurance, liability insurance, medical coverage, planning a trip, tour group
I am going on vacation in Florida and am renting a car. I have car collision coverage through my credit card company but want to know if my regular liability insurance covers me while driving a rental too or do I need special insurance?
Technorati Tags: car collision, collision coverage, credit card company, insurance, liability insurance, renting a car, special insurance
We’re planning a trip to Lowell, Ma from Philadelphia, Pa in August. Our vehicle of preference would be a 15 passenger van. Upon calling and getting some quotes, they’re telling us that New York law requires liability insurance covering million for vehicles that carry over a certain amount of passengers.
Technorati Tags: insurance, liability insurance, new york law, passenger van, philadelphia pa, planning a trip, preference, quotes
I'm planning a trip for 6 students and myself to France this summer. We don't want to go with a tour group and haven't had any problems until now. I'm looking for a company that will give use both liability insurance and medical coverage during our trip. Does anyone have any advice?
Technorati Tags: insurance, liability insurance, medical coverage, planning a trip, tour group
I am going on vacation in Florida and am renting a car. I have auto collision coverage through my credit card company but want to know if my regular liability insurance covers me while driving a rental too or do I need special insurance?
Technorati Tags: auto collision, collision coverage, credit card company, insurance, liability insurance, renting a car, special insurance