Paul's Collision & Towing, Inc

We have recieved a great response from an advertisment series of DID YOU KNOW? topics. The following have proven to be the most popular and helpful to all that read them.

RENTAL COVERAGE...NEVER ASSUME !!

I talk to alot of people I call "insureds." I find a very large percentage of insureds I talk to assume that, because they carry full coverage insurance, must have rental car coverages. This, in fact,is where assuming could cost you money.

Rental coverage only applies to collision and some comprehensive related repairs and the coverage is not expensive to carry. I have seen it range from $23 to $45 for a six month period. For as little as $4 dollars a month, you can have the security of getting a rental car while yours is being fixed.

Paul's Collision & Towing is one of few shops to still have a loaner program. Our program is free, but sometimes limited by demand on the size of our fleet.

So...don't assume. Please call your agent today to verify you have rental coverage and get it in writing. I have heard insureds say they told their agent over the phone, but find later no record of it.

Shopping for the best rate, combined with the assumption that full coverage includes rental coverage , is where the problem starts.Please let this information help you-if you are not sure of your coverage, call your agent and add it on....it will be money well spent !!

Tim Robberstad, Manager

COLLISION DEDUCTIBLES....PAY NOW OR PAY LATER?

Everyone should know what collision deductible they have. You have 3 choices inMichigan...broadened, limited and standard.

Broadened collision means you have the peace of mind knowing that if you are involved in a collision or hit-and-run type loss, you don't have to worry about a deductble as long as you are less than 50% at fault. This is usually decided by a police report.

Basic collision means you always pay your deductible no matter who is at fault. If you are not at fault, you may have the option to file a "mini-tort" claim with the other drivers insurance company. This downside of basic coverage could involve alot of time and hassles.

Limited coverage in my opinion is very bad option. This coverage only covers your vehicle if you are considered not at fault.

Alot of price shoppers have basic coverage. If you are one of them, please take a serious look at the cost savings. I have found broadened coverage to be only 20% higher. It may sound like alot, but in dollars it means $38 to $60 every six months. It would take 3 to 6 years to recover one $500 deductible. I have heard the statistics used to support the higher deductibles, but you need to ask yourself , do I have the $500 or sometimes $1000 if a claim happens.

In my opinion the broadened collision, with a $500 deductible and rental coverage, would minimize your risk for as little as $20-25 a month additional.

Call the insurance claim specialists at Paul's Collision & Towing and let us help.

Tim Robberstad, Manager