When renting a car should you take their insurance?

If you own a car, the insurance coverage from this policy may be enough when you rent a car.

Before you rent a car:

1. You should Contact your insurance company.
There are several important considerations:
a) How much coverage you have on your own car? Usually this coverage and the deductibles you have on your auto policy will apply to a rental car.
b) Comprehensive and collision coverage from your policy should transfer to your rental car.
c) If the rental is for business purposed, then your personal insurance will not cover the rental. Be wise and contact your insurance company.

2. Call your credit card company.
Several credit card companies provide insurance coverage for car rentals if you use the card. Call your credit card company for coverage information.

If you don’t have auto insurance, you can buy insurance from the car rental firm when renting your vehicle.

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This summer my son and I took our first salmon fishing trip together. It sure was fun. We will have fond memories of this vacation the rest of our lives. At the same time, we learned a lot about how to make our next trip even more successful. Our trip began in Vancouver where we rented a car and headed over to the Cambell River. Our lodging was at an upscale resort, the Painter’s Lodge. We signed up for daily fishing excursions upon our arrival. The lodge’s boats accommodate 2 fishermen and a guide. Morning trips start at 6am and go to 10am. Evening trips go from 4pm to 8pm. The boat travel about ½ hour from the lodge. The locations are heavily fished areas. It’s amazing watching the currents in this part of the world. Whirlpools of water swirl as the tides flow in and out. These currents carry in our sought after schools of salmon.

Most guides will tell you that it probably is better to take a full day trip, and go further north where you can get to better fishing spots.

So, our first morning out, we got skunked. Not one fish. The problem was our guide. Of course he claimed to be a seasoned veteran but, I began to doubt his claim. Well, there was no way that I was going to allow my son and myself to end a day with not a fish in the mecha of salmon fishing. The second we returned, I signed back up for the evening trip. The second guide we had was no comparison to the one earlier that day. He was more attentive to the fishing. As an inexperienced salmon fisherman you have to pay attention to your equipment. A more experienced guide can readily tell when the fish are nibbling on your hook. At the end of the day, we came home with a number of fish that we could feel good about. And, my son at 14 years of age, walked away feeling more like a man.

Next year, we will call ahead and make sure we ask for one of the most seasoned guides. We’ll surely come home with our limit.

Leaving your trip is just as important. Our plans took us to Victoria after fishing, but in the future we discovered, it’s best to come straight home. If you leave directly, you can have your fish packed for you to take on the plane. Going to Victoria, we were forced to ship the fish back home, wait 4-6 weeks, and pay a fortune for them.

You bet, we’ll do this trip again, but next time with more knowledge behind our belts.

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