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Noyes, Hall & Allen Maine Insurance Blog

Our goal is to discuss current topics of interest to Maine insurance consumers. We hope you find this information timely, informative and useful. Feel free to join the conversation by leaving a comment. If you have a suggestion for a future topic, email us at info@nha-ins.com.

Does My Parents’ Insurance Cover Me If I Rent a Vehicle?

April 27th, 2017

 

You may be listed as a driver on your parents’ insurance policy. The car you drive may be on that policy, too. But you may not be covered to the same extent your parents are. 

Note: This information is based only on personal auto insurance policies in the State of Maine using ISO coverage forms. Most insurers that sell through independent agents use these forms. Many “direct writers” use proprietary forms, which may differ. Check with your own agent to be sure. 

Are You a “Resident”?

That’s the big question. If you’re a member of your parents household, you have all of the coverage that they do. If you’re not considered a “resident”, then you’re only covered to drive the vehicles listed on your parents’ policy.

So, what’s a “resident”? That line can be tough to define. If you’re a full-time student who returns home between school terms, you’re still a “resident”. If you’re not in school, and have a place of your own with a lease or utilities in your name, you’re not a resident of your parents’ household. Those are the two ends of the spectrum. The middle can get muddy.


 

Related Post: “Should You Stay on Your Parents’ Car Insurance? 


Renting a Car

If you’re a “resident”, you’re covered on your parents’ policy just like they are. For Maine residents, that means the liability and physical damage coverage applies to a rental car (in the U.S. and possessions, and Canada). You may be responsible for other expenses, and there are some holes in coverage. But, many Mainers take their chances and waive the rental company’s insurance.


 

Related Post: Does My Maine Car Insurance Cover Me When I Rent a Car?


If you’re not certain that you’re a “resident”, we recommend that you buy the insurance from the rental car company. You don’t want to be responsible for damage repairs, lost income and any liability from an accident while you’re driving the rental car.

If you’re thinking of renting a car, and you don’t have an insurance policy in your name (not just a driver), contact the insurance agent or company whose name is on that policy. They can advise you about your personal situation. If you’re driving a vehicle insured by Noyes Hall & Allen, call us at 207-799-5541. One of our agents will be happy to help.

Should I Pay a Small Insurance Claim Myself, ...

April 25th, 2017

  You clip your mirror on the garage door frame. Your daughter hits a golf ball through your neighbor’s window. Your shower drain leaks, staining your kitchen ceiling.  Should I file an insurance claim, or just pay it myself? How much will my insurance rates go up if I file a claim? Clients often ask us questions
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What is Accident Forgiveness on an Auto Insur...

April 21st, 2017

  You’ve probably seen the insurance company ads on TV. “We won’t raise your rates after an accident”. Insurance companies call that “accident forgiveness”. And it’s REALLY important for drivers who rarely have accidents. What Is Accident Forgiveness? Auto insurance companies raise your rates for 3 – 5 years after an accident. Some insurers waive the extra charge if it’s your first
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