Certain Events Should Trigger Changes in Coverage

September is inevitably a busy month. School, soccer practice and homework make schedules a little more hectic. While you’re in the organizing and planning mode of the challenging Fall season, consider the changes in the past year that may make it necessary to alter your insurance coverage. It is wise to contact your independent insurance agent at Hunter Insurance if, in the past year, you:

• Bought a new home, whether it’s your main domicile, a vacation home or rental property. 
• Purchased a new or used automobile. 
• Purchased a boat, recreational vehicle or motorcycle. 
• Are the parents of a teenager who obtained a driver’s license and is allowed to drive the “family” car. 
• Received or purchased an expensive piece of jewelry. 
• Received or purchased an antique of any sort, including household items and coins. 
• Started planning and paying for a wedding. 
• Completed major renovations or an addition to your house. 
• Had (and will continue to have) a dependent that is living away from home to attend college. 
• Got married or divorced. 
• Welcomed a new child or grandchild. 
• Had significant changes in your health or that of your spouse or domestic partner. 
• Took on the financial responsibility of an aging parent. 
• Refinanced your home. 

As you gear up for fall, take a moment to organize your insurance coverage. Please call Hunter Insurance at 401-769-9500 if you have questions about your insurance.

Don’t Overlook Rental Care Coverage When Purchasing Car Insurance

When most people think about car insurance, it’s the cost of collision repair, medical bills, or their own liability in an accident that worries them most. What they tend to overlook is the need for their car in the first place. If your car is in the shop getting fixed how are you going to get around?

Most people assume that they already have rental car coverage, when in fact many do not have it.

Other than the obvious convenience that comes with it, the best part about substitution transportation is how cheap it is. Per day coverage at $15 will cover much of the cost of a rental car and the coverage runs at only about $12 a year. Coverage at $30 a day is also available, but the annual cost is a bit higher, about four times as much as a $15-a-day plan.

For some people, a rental car may not be the best option, especially for drivers under 25 or anyone with a poor driving record that may make a rental car company reluctant to rent to them. But that doesn’t mean Substitute Transportation isn’t for you: it can also cover the costs of bus and rail transportation as well as cab fares.

We’ve found that after filing a car insurance claim almost all people correctly buy Substitute Transportation or increase their overall coverage. Save yourself the trouble and start out with full coverage from the get-go.

For more information about your auto insurance, call Hunter Insurance at 401-769-9500.