Renting a car can seem like a daunting process for the inexperienced traveler. There are a number of things to research and to take into consideration. You'll need to search for the car model that fits your needs and a price that works with your budget. Once you find the right car for you and reserve it, your research isn't done there. Insurance is a large part of your rental cost and you should know what you need and what you can do without. Here's an overview of car rental insurance.
Rental Insurance is Required
Most car rental companies require you to have insurance on your rental and most states require you to have insurance by law. While you are driving the car you are responsible for it, whether a mishap is your fault or not. So make sure you are covered in case there is a theft or accident.
Types of Coverage
Basically, there are two types of car insurance. The first type protects the owner of the car; in this case, the rental car company. For example, if you get into an accident and the car is totaled, the car rental agency will get a new car paid for by the insurance company. It also protects the owner from being liable for damages as a result of an accident such as property and personal injury. The other protects you, the driver from mishaps that may happen that are not your fault which includes theft and vandalism of the vehicle. Usually car companies require you to have both types of insurance and if it's not required then it's still a good idea to have both.
You Might Already Be Covered
If you already have car insurance coverage for your vehicle at home then you may be covered for rentals. Check with your insurance company to see if you are covered and if so, the conditions. Ask if you're completely covered in the states you'll be driving. Also ask about how much the deductible is if you get into an accident or the car is stolen. It's wise to ask for a copy of the conditions of your insurance so there is no miscommunication. If you will be using your own insurance then make sure to bring a copy of your insurance card with you; you may need to present it when you pick up your car.
You may also be covered for part or all of your car insurance by a credit card. Check to see if one of your credit cards carries insurance for car rentals. If so, make sure you meet the conditions and use that card to rent your car. Ask about the deductible in case there is a mishap; this type of coverage usually has a large deductible so you may decide to go with the rental company's insurance. You will also want to verify with the place you're getting your rental. Policies and procedures can vary between Malaga airport and JFK Airport.
Car Rental And Insurance
How do you get around? Car rental? Taxi services? Your own vehicle? Or are you part of the very small sub section of our society who can get from point A to point B by cycling or walking? If you can attest to the latter get up and give yourself a pat on the back ? you have just decreased your chances of becoming obese and suffering associated illnesses dramatically.
Obesity has become a worldwide phenomenon and a multitude of health concerns and societal issues follow in its wake. Research (and a good helping of common sense) shows the main causes for its pandemic hold on our communities to include a sedentary lifestyle, socioeconomic factors and of course, diet.
Ever since the dawn of the Industrial Age we, as a society, have strived to engineer habitats that focus on mass efficiency rather than accessibility. The result is urban sprawl. Airport car rentals are at an all time high, which show how inaccessible our cities have become to visitors. Studies have now found a link between the built environment people live in and a predisposition to obesity. According to the findings of this research there exists a correlation between the amount of time per day a person spends in a vehicle and the likelihood that they would become obese. Furthermore, the amount of time a person spends in a car is linked to the type of built environment they live in. Suburban dwellers spend a significantly greater portion of time in cars than urbanites, and if these studies are to be believed each hour spent in a car daily is associated with a whopping 6% increase in the likelihood of obesity. Cheap car rental and taxi services are available to all and people tend to prefer the convenience of this type of transport to walking.
Sprawling suburban areas contribute to a sedentary lifestyle due to a lack of sidewalks, road patterns and traffic regulations that hamper travel on foot and shopping areas that are inaccessible without use of a automobile. Residential areas like these are more often than not only linked to other destinations by means of high speed main roads. These highways are designed to facilitate swift travel by rental cars and privately owned automobiles, but cycling or walking can be uncomfortable and in some cases just plain dangerous.
Hippocrates once stated that "Corpulence is not only a disease itself, but the harbinger of others". Obesity is linked to a number of serious illnesses that include hypertension, diabetes mellitus, cancer and non-alcoholic fatty liver disease. When one takes into account the structure of most healthcare systems around the globe ? communal funds that see every member contributing equally whether or not they withdraw from it equally ? it can be argued that obesity causes an unnecessary and preventable drain of resources that could have been distributed to more worthy recipients.
Addressing these issues is vital both for personal health and for the long-term health of our communities. The first step would be to make our communities more walkable. This can be achieved by investing in improved facilities for biking and walking, installing traffic calming measures to slow down cars, or by creating safe routes that focus on helping children walk and bike to school. Prevention is always better than cure and teaching children the value of exercise at a young age will go a long way in ensuring the next generation learn from our mistakes.
Car rental, taxi services and private automobiles might be very convenient and of course have their place in our society, but as with all things in life we should learn to practise moderation. A simple walk around the block at lunch time or taking the stairs instead of the lift can improve your health and overall well-being. So next time you are getting in your car to drive the 300 meters down the road to the convenience store, reconsider. Those few steps might just save your life.
Both Guy Morris & Robert Thomson are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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