Renting a car is done online these days for the most part and as soon as you start the process, questions about what insurance coverage you want to purchase are being thrown at you. It can be intimidating. You may end up purchasing more insurance than you need just to get through the renting process. At Patrick McNealis Insurance and Financial Group in Emmaus, PA, we are an independent insurance agency that believes in providing our customers with personalized and caring service.
Not everyone has insurance that will cover a rental car. If you have basic insurance, which is liability coverage, you will only be partially covered and will need additional coverage. You have to protect the vehicle you are renting in the event you damage it. In order to be protected by your personal auto insurance, you must have a full-coverage policy that includes collision and comprehensive coverage. If you have an older vehicle with complete coverage, check with your insurance agent to make sure it will provide enough coverage for a newer, more expensive vehicle.
The rental car company will try to sell you additional liability coverage. If you are comfortable with the amount of coverage that you live with on your own policy, you don’t need this coverage. If you have home, renters, or condo insurance, your personal property is covered in the vehicle you are renting, so you don’t need that coverage either.
Always check with your credit card company to see what benefits it provides. Many cover you for a rental car if you use that credit card to book and pay for your rental. If you don’t have the right auto insurance, getting CDW (collision damage waiver) coverage from the rental company takes the place of that coverage.
Contact Patrick McNealis Insurance and Financial Group in Emmaus, PA, when you need auto insurance.
If you’re a driver in Pennsylvania, you should know that auto insurance is required to operate a vehicle here. If you’re in the Emmaus, PA area and are shopping around for a new auto insurance policy, the team at Patrick McNealis Insurance and Financial Group is here to help.
Why Is Auto Insurance Required in Pennsylvania?
While auto insurance is absolutely legally required in Pennsylvania, the common sense behind investing in auto insurance goes much deeper than that. There are over 3 million drivers on the road in Pennsylvania every day. If you live in this great state, you know that traffic here is a daily occurrence and something you have to plan around.
While you may be the best driver on the road and drive defensively and safely, you simply can not control the way other drivers behave on the road. We can only anticipate what could happen, and for that reason, insurance is the best common-sense investment you can make as a driver in Pennsylvania.
With that being said, it’s no secret that determining which auto insurance policy is best for you and your household can be a challenge. If you have multiple drivers and vehicles, your coverage is different than a one-driver household. The team at Patrick McNealis Insurance and Financial Group can help answer any questions or concerns you have about the insurance purchasing process and we’re happy to help you select the best policy for your driving needs.
If you’re in the Emmaus, PA area, auto insurance is something you should always maintain. As long as you’re driving on the roads here, it’s absolutely essential for peace of mind and the safety of others and yourself.
Patrick McNealis Insurance and Financial Group are happy to serve the local Emmaus, PA community, and the surrounding areas. We are committed to helping our clients find the insurance coverage they need regardless of their situation. We look forward to serving you with integrity and trust.
Auto Insurance Policy
Your vehicle is one of your most prized possessions. Auto insurance allows you to protect your asset. Keep in mind that accidents can happen at any time, especially while you are on the road. Auto insurance gives you a safety net in the event of a crisis.
Collision coverage protects your vehicle if you are involved in an accident with another driver. The coverage also protects your vehicle if it suffers damages by hitting a tree or crashing into a fence. You can add uninsured motorist coverage to protect you if your vehicle is involved in an accident with someone who does not have insurance.
Comprehensive coverage protects your vehicle if it is stolen or vandalized. You are also covered if your vehicle is damaged by a fire or a natural disaster such as a tornado. Comprehensive coverage ensures that you are protected regardless of the situation.
Liability coverage is an asset if you are ruled to be at fault for any injures that occurred due to the collision. You are also protected if you cause damage to someone else’s property. You can add roadside assistance to cover you in emergencies. Perhaps you are traveling out of Emmaus, PA, and you suffer engine trouble. You will receive urgent assistance. If you plan to add any accessories to your vehicle, you’ll have to amend your policy to cover the upgrades if something happens.
Patrick McNealis Insurance and Financial Group Will Help You Protect Your Asset
Contact our office to learn more information about auto insurance.
For those that are in the Nazareth or Emmaus, PA area, owning a car is often a necessity. A car is also a significant asset that requires a considerable investment. Due to this, it is vital that you carefully consider your insurance needs for your vehicle. Getting auto insurance in this area is very important because it can protect you and your vehicle in several different ways.
Gives Protection for Vehicle
While a car is a big responsibility and necessity, it also usually comes with a large purchase that should be protected. With auto insurance, you can get collision and comprehensive insurance coverage that will provide protection for almost any situation that could result in a loss. This can include providing you with coverage to repair or replace your vehicle if it is damaged or stolen. If you have an auto lender, it will likely be a requirement that you carry this form of insurance as well.
Another way that auto insurance can protect you is by providing you with liability protection. Even if you are a very safe driver, there is always a chance that you could cause an accident. If this occurs, it will be up to you to cure the damages. When you have an auto insurance policy, you will receive the coverage you need to pay restitution if you are at fault and cause an accident.
If you are in the Nazareth or Emmaus, PA area, and are looking for auto insurance, you should call Patrick McNealis Insurance and Financial Group. The team at the Patrick McNealis Insurance and Financial Group can provide you with the support that you need to find a quality insurance policy. This will include carefully assessing your risks and needs to ensure they are covered by your policy.