Does my auto insurance cover me in a rental car?

Posted on December 31, 2020December 31, 2020 by admin

Many occasions arise when you are driving a rental car. If you are flying to your vacation destination, you may want to see the sights, which requires renting a car. You may rent a truck to move something or your entire family. You might have a problem with your vehicle and need to get it serviced. While it’s in the shop, you need a rental. Whatever the reason, you will be faced with many questions about insurance and whether or not you want to get the insurance offered by the rental company. At Lee Insurance Agency LLC in North Carolina, we place our customers first, and we are there for you no matter what you need.

Rental car companies offer a variety of coverages.

Loss/collision damage waiver
Supplemental liability coverage
Personal accident insurance
Personal property coverage

The simple answer to the question, does my auto insurance cover me in a rental car is maybe. It really depends on what type of coverage you have on your auto insurance policy. Whatever you have should cover you the same way when you are in a rental car. If you have liability coverage that you feel comfortable with while driving your own vehicle, it will be just as comfortable in a rental vehicle. So you can skip the supplemental liability insurance.

If you have full insurance coverage, you are covered for accidents and damage to the vehicle, but it may or may not extend to a rental car. You should call your insurance carrier to verify if your coverage extends to rental vehicles. When in doubt, take the collision damage waiver.

If you have health insurance, you don’t need personal accident insurance, and if you have a home or renters insurance policy, you don’t need personal property coverage.

Contact Lee Insurance Agency LLC in North Carolina to discuss all your insurance needs.

A Guide To Help Businesses Find The Right Commercial Insurance Policy

Posted on November 30, 2020November 30, 2020 by admin

Lee Insurance Agency LLC assists residents throughout North Carolina by helping them find multiple types of insurance coverage. We offer our clients policies that suit their individual needs. We are proud to serve the community.

Commercial Insurance

As a business owner in North Carolina, it’s important that you protect your investment. Commercial insurance will assist you as you deal with many of the challenges associated with running a business daily. The policy primarily protects your business against an emergency that could damage the long term future of your business.

You will also be protected if your property and inventory are damaged or stolen. Business interruption coverage protects your business if a natural disaster causes severe damage to your business and leaves you unable to operate or perform daily tasks for an extended period of time. Liability coverage is also important. Accidents can happen at any time. Liability coverage protects your business if a customer is injured on the premises or if a faulty product damages them. You can add workers’ compensation to protect your business and your employees if one of your employees gets injured in the workplace.

You can amend your policy based on your needs. If using vehicles is an important part of your business, you can add commercial auto coverage. This will cover your vehicles while you and your employees are out on the road, and a collision occurs. Commercial vehicles are also protected if they are vandalized or someone attempts to steal them.

If you have a large online presence, consider adding cyber liability coverage. Your business will be protected if hackers infiltrate sensitive data related to your business. The policy also covers you if someone alleges slander based on an online post.

Lee Insurance Agency LLC Will Help You Protect Your Business

For more information on commercial insurance, visit our website today!

Popular Home Insurance Myths North Carolina Residents Should Watch Out For While Researching Policies

Posted on October 26, 2020October 26, 2020 by admin

Lee Insurance Agency LLC assists residents throughout North Carolina by offering them different types of insurance coverage. We strive to offer our clients personalized policies designed to help them protect their assets and make life a little bit easier.

Home Insurance

Every year, thousands of people are moving to North Carolina. If you have recently purchased a home in the state, insurance allows you to protect your investment. Home insurance covers your property if it is damaged or vandalized. Your personal items are also covered if you are a victim of theft. If you have friends over to your home, liability coverage will protect you if someone suffers an injury on your property. While you are researching different policies, avoid some of these popular home insurance myths.

Flooding Is Covered

Your policy does not cover any damage caused to your home or personal items due to flooding. You’ll have the look into another type of insurance coverage.

My Luxury Items Are Protected

This is incorrect. If you have scarce luxury items at your home, you’ll have to amend your policy to cover those items. Do not assume that those items are automatically protected if they are stolen or vandalized.

I’m Covered If I Have An Issue With Insects

It’s important that you take care of your home. Maintaining proper maintenance will decrease the likelihood of you having to deal with uninvited guests in the form of insects. Your policy does not auto cover damages caused by insects. 444444

My Policy Doesn’t Cover Natural Disasters.

This is incorrect. Your home is covered if it is damaged by a natural disaster such as a hurricane or tornado. Research your policy carefully to see if your home is covered if an earthquake or landslide occurs.