Facts About Car Rental Insurance

Whether renting a car for business or for pleasure, the last thing anybody wants to have to worry about paying for damages to a rental vehicle should it happen. For this reason, there is car insurance to cover drivers who are operating a rental vehicle. Many people opt out of purchasing car insurance because they feel it is an unnecessary expense. The truth is, without car insurance a person could be liable for a lot more money than what the cost of car insurance would be if he or she were to sustain damage to a rental vehicle.

A common misconception among many people who rent a vehicle is that their personal auto insurance policy will cover them for rental vehicles as well. This is not always the case. Some personal auto insurance plans will cover a driver when he or she rents a vehicle but this is not the norm. A person should always consult his or her insurance policy or speak to his or her insurance agent to help determine if rental cars are covered on the personal auto insurance policy. If rental vehicles are not covered by the personal auto insurance policy, then the renter has a responsibility to secure rental insurance.

Car insurance can be purchased directly from the rental company. Many rental companies offer different insurance coverage plans to meet the individual needs of the renter. The car rental insurance premium is calculated by a daily rate and in some cases a weekly rate if a person is planning an extended rental period. The premium amount is added to the rental fees and paid for all together. A renter would have to opt for and purchase car rental insurance at the time of rental. It cannot be added at a later time. This alleviates the possibility of insurance fraud.

Purchasing car insurance is not always necessary when renting a vehicle. Some major credit card companies offer cardholders perks such as car rental insurance just for being a member. To be eligible for car rental insurance through a credit card company, that exact card will have to be used to secure the rental. Not all credit card companies offer this perk to its members. A person should always call and consult with an agent from his or her credit card company to determine if he or she has this coverage and what the eligibility requirements are to take advantage of this perk.

Despite the concerns of many individuals, car insurance is a solid investment. The cost for car rental insurance is far in comparison to the costs a person would endure if he or she would have to pay for damages out of pocket. Car rental companies always offer car rental insurance as an option at the time of rental. Some people may qualify for coverage either through their personal auto insurance or through their credit card company. They should always consult their insurance agent or credit card company to ensure they have coverage.



Source by Nelson McWilliams

Test Driving The Mahindra KUV100 In SA

On a trip to India In May, I drove the diesel model. After 40 km on Mumbai’s highway, it was clear to me that the high-riding hatchback could very well raise some eyebrows in the SA passenger-car market.

My first experience of the Mahindra KUV100 back in South Africa was a ‘Sunset Orange’ diesel model. It was powered by a 1.2-litre turbodiesel engine capable of a modest 57kW/190Nm. They claim the fuel consumption is 4.4l/100km but you won’t be able to accurately tell as it doesn’t have a consumption gauge.

Specifications:

The K6+ derivatives and above offer a six-speaker sound system with Bluetooth connectivity to the Mahindra Blue Sense app. A multi-function steering wheel and a refrigerated glove compartment are also included.

Despite its low horsepower, the three-cylinder delivered as it did in Mumbai and felt lively with loads of torque between all five gears.

The gearbox really deserves all the accolades. The shifting is solid and precise but sadly the clutch pedal is too low down on the floor. It took me a while to get used to and this is perhaps something Mahindra should reconsider.

On that note, the pedal placement of the brake and clutch are too close together. If you have small feet, you might be OK or just let your toddler drive you around.

Taking to a gravel road showed an acceptable ride but the height of the 1155kg KUV100 meant the ride was rather bumpy, especially at speed. Build quality could also be improved upon as I experienced wind noise while driving on the highway.

I wouldn’t go for the petrol model even though it also has the 1.2-litre three-cylinder engine (61kW/115Nm). It feels lethargic and nothing compared to the diesel. In first, second and third gear it really struggled like the Bulls did in Super Rugby this year.

Is the KUV worth buying?:

Mahindra claims the KUV100 competes with the Toyota Etios Cross, Renault Sandero Stepway, Suzuki Swift, Hyundai Grand i10, Chery J2, Tata Bolt and the Ford Figo. It’s a tough ask as most of these cars have great commercial value, brand loyalty, better-perceived build quality and an established dealer network.

There is one area the Mahindra KUV100 outshines the rest and that is on price. It will set you back a little under R150 000 for the entry level petrol model which comes standard with aircon, electric windows, ABS and driver/passenger airbags.

I may have been somewhat reluctant of the KUV100 but at the end of the launch I had really warmed up to the diesel model. The price, equipment level and overall driving experience left a good impression. Let’s hope the automaker ages like a fine wine and not like vinegar.

In conclusion, the diesel engine and gearbox are both more than adequate but the biggest concerns are pedal placement, clutch and wind noise. It remains to be seen whether or not South Africans will be interested in the KUV100 but it’s certainly worth a mention. Even if the Mahindra KUV100 isn’t quite your cup of tea, there is more Mahindra on the way.

*Three-year or 100 000 km warranty on all models and a three-year or 50 000 km service plan on the K6+ and K8 derivatives (optional for K4+).



Source by Gemma Murray

Truck-Based SUV's – DTO, DTS

Large SUV's built on truck chassis present a serious danger to others (DTO) on the road. A truck-based SUV provides about 5% greater safety for its occupants than a car does in a front, rear, or side crash, and deals about a 300% greater risk of death to the people in any vehicle it hits. The Insurance Institute for Highway Safety looked at deaths per million miles driven and found that large SUV's involved in two-vehicle accidents inflict far more damage on other vehicles and their occupants. The reason is simple physics.

Full size SUV's and pickup weigh about 1000 pounds more than the average car. A vehicle that weighs a half ton more delivers a far greater destructive force on impact. Add to that a significant difference in the vehicles' construction. SUV's and pickups are built with stiff frame rails. When an SUV or truck rams another vehicle, it does not give. It transfers the force of impact to the other vehicle. Cars, minivans, and small SUV's built on car frames are designed with energy-absorbing structures. They're built to absorb and the force of impact, and because the SUV is not, the smaller, more flexible vehicle absorbs more force.

SUV's are taller than cars, with higher road clearance, and their height makes them more dangerous to other cars. The modern car bumper is a superbly designed energy absorption system. But in front and rear end collisions, the tall SUV is likely to ride up over the other vehicle's bumper. When the SUV rides over the bumper and pushes its way into the engine compartment or the trunk, the bumper's energy absorbing value is lost. In side crashes, the SUV's height means it can ride over the car's door-frame and T-bone directly into the passenger compartment.

In rollovers, SUV's are also DTS, danger to self. Large SUV's are at much higher risk of rollovers than other vehicles. Again, it's simple physics. Its height and resulting high center of gravity make it much more likely for the vehicle's rear end to fishtail, or slide sideways in a tight turn or an emergency braking maneuver. The SUV's height and high weight distribution means that once the vehicle is moving sideways, it's much easier for it to flip and roll over once or multiple times.

When a pickup or SUV rolls, it poses its occupants to much more danger of roof crush, the collapsing of a roof under the weight of the vehicle. Physics again: The vehicle's weight, including that extra thousand pounds, is now on top, crushing down on a roof that too often is simply not designed to support it. Most pickup and SUV roofs are not unibody construction. The incremental cost of a unibody roof and sturdier metals would run about $ 50 per vehicle, but manufacturers have chosen not to make this simple improvement.

If you or a loved one has been seriously injured, or your loved one has been killed in a crash involving an SUV, you will want to consult with an experienced SUV crash attorney to determine whether you may have a case against the manufacturer. It is important to do this as soon after the crash, to insure that the SUV involved is not destroyed, as it will be vital evidence in your case.

Your SUV attorney will want to have an automotive design safety expert examine the vehicle. In rollover cases, particularly consultants and experts help your attorney put together the most accurate and case for presentation to an arbitrator or a jury.



Source by David S. Casey Jr

Aetna Medicare – Know Your Health Care Options

Aetna, which is an American Health Insurance Company, was founded in the year 1853 and offers Aetna Medicare. The firm is listed among the Fortune 100 under the category of health care sectors. Aetna provides a large number of health insurance products / services which are directed towards the consumer and likewise the conventional ones like medical, dental, group life, pharmacy, long-term care, Medigap, behavioral health, disability plans, and medical management capabilities along with their Aetna advantage plans. Aetna, Inc. (NYSE: AET) is a Hartford, Connecticut based health insurance firm. The company has two more branches in Blue Bell (Pennsylvania) as well as Middletown (Connecticut).

Aetna Health Insurance provides affordable and safe Supplement Medicare Insurance plans such as A, B or F that have only been created to be able to make up your Original Medicare health insurance coverage – they also provide Medicare Part D insurance. Their Medicare supplement insurance plan includes out of the pocket expenses such as Part A as well as Part B deductibles as well as expenses which gives you the facility and liberty of going to a qualified doctor who already provides Medicare. The individual himself and not others will make the choice for his 'doctor to be visited'.

Aetna offers a wide range of supplement Medicare plans with a wide insurance coverage. For instance: Aetna Golden Medicare plan (HMO); Aetna Medicare supplement (PlanSM) insurance policy as well as Aetna Medicare Rx plan as well as Aetna Golden Choice plan (PPO) or the basic Aetna Medigap insurance policy. Aetna Health Insurance Company also provides a wide range of health insurance products with a huge insurance cover which fits your spending budget as well as needs. The services / products comprise medical, behavioral health, long term care, disability, dental plans, employee benefits, etc. Choosing a Medicare plan can take time. As you assess plans, keep in mind that along with medical, hospital and prescription coverage, Aetna likewise provides many extras like wellness, vision, hearing as well as fitness benefits included in a lot of Aetna Medicare Advantage plans, vision, hearing, fitness, weight management, as well as natural products and services discounts with most plans as well as Aetna Health Connections – Disease Management Program – individualized clinical programs in excess of 30 chronic conditions.

Aetna is the contiguous offshoot of America's Aetna Insurance Company, which released its first life insurance policy in 1850. Aetna offers supplement Medicare Plans such as A, B, C (through Texas), and Medicare Plan F in twelve states. Aetna likewise offers further Medicare plans in certain states as well as Plan D (prescribed drug coverage) in all fifty states. Aetna's Medicare plans designed for senior citizens consist of Medicare Supplemental insurance, Medicare Advantage plans, as well as Prescription Drug coverage (Medicare Part D). Aetna Health Insurance Company caters to the peoples' overall health and financial well-being by putting forth reliable information as well as raising up its resources to be able to operate for its fifteen million members (medical), ten million members (pharmacy), 12.6 million members (dental) and 12.8 million members (group insurance coverage).

When selecting a Medicare plan, keep in mind that Aetna Medicare provides a full range of plans. Regularly maintaining its track record of 153 years heritage, Aetna Health Insurance Company is proving itself to be a frontrunner in the health care industry by establishing a solid health care system with the co-operative network of medical centers, doctors, employers and patients.



Source by Sherry McKelvy

Making the Most Out of Your Credit Cards

Rewards: Make them useful

– It is possible to get a credit card that rewards users for not using the card at all actually. One actually offers enough gas rewards for a free oil change every so often.

– Get the best rewards for your lifestyle. If you are not a traveler, do not get rewards that are focused on hotel rates or airline fares. Find something like gas rewards or saving for college.

Be smart when it comes to balances and rates

– Try to haggle with the credit card company once you have built up a good customer history with them. You can call them up to try and to negotiate a lower interest rate, which has the possibility of saving you hundreds over the course of time.

– Pay off the card that has the highest interest, even if it is the one with the highest balance. Sometimes it may be more appealing to pay off the smaller ones first but you want to save on interest too.

– Be careful when signing up for “poor people” credit cards that are geared towards people with little to no credit. Often these cards have sky high interest rates or the amount of fees associated with opening these accounts is so high that the entire credit limit is used up by these fees.

– Do not carry a balance. Credit cards are meant to be used mainly for small purchases. If you want to finance, something like a car try and to get a loan that has a much lower interest rate instead.

Extra tips and tricks with the cards

– Invest in price protection. Many cards will give you the option to get a refund on a big purchase such as a computer if you can find it cheaper within 30/60/90 days.

– Cash back is usually a percentage of what you spend. Take advantage of the cash back and use that cash for whatever purchases you may want instead of the card.

– Get purchase protection for the items you buy but do not get the extended warranty because usually buried in with that protection is a warranty anyways.

– Invest in the program that will cover your payments if you become unemployed or something happens. This will not only save you money in terms of fees and over limits but it will keep your credit report clean and report you as up to date with your payments.

– Don’t always close old cards. This will lower your debt to credit ratio and could potentially hurt your credit score. If you’re dead set on doing it go ahead but don’t do it for the purpose of increasing your score because the opposite will be done.

Keep it simple

Don’t get in over your head with the credit cards that you have. Definitely don’t get more than 1 or 2 cards because then they may overwhelm you. Use them for their intended purpose and you won’t find yourself in deep water.



Source by Nancy Lowes