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Auto Insurance Loss of Use: Is it Part of Automobile Policy?

InsuranceAgency — Tue, 10 Aug 2010 06:37:32 +0000

What is Loss of Use Term in Auto Insurance?

One of the things that the consumers may not really contemplate, but do expect, is that their auto insurance will cover the cost of a replacement car when their automobile is being replaced. Many auto insurance policies actually do not provide for this automatically. If you are at all dependent upon your car, it is vital that you make sure that this type of coverage is included. Rental cars are not cheap!

How do you tell if you have this kind of auto insurance coverage for automobile or RV? First, you need to look at your car insurance policy. The language you are looking for refers to something called “loss of use.” What is loss of use coverage? As the name suggests, loss of use coverage refers to the expenses for transportation while your automobile is in being repaired or replaced. In more practical terms, this simply means that you have coverage for a rental car. Indeed, many people including those in the auto insurance business refer to this clause of the car rental coverage clause.

Buying loss of use auto insurance

Buying loss of use auto insurance with the car policy is definitely something you want to do. The idea of buying more car insurance coverages and auto insurance quotes probably is one of the least favorite things for most people. That being said, going for days without your car is far worse. Most of us drive to work and home. Most of us need our cars just to get around to find basic things like food. You really don’t realize how dependent you are on a car until you don’t have it. If you don’t believe me, try a simple little test. Lend your car to a friend one morning and tell them not to bring it back till the end of the day. I guarantee that you’ll be going batty by noon!

Loss of use automobile insurance is simply worth its weight in gold. It may not seem like it now, but it will when you suddenly need to get around and your car is in the shop. Paying for a turist car for tour or turizm with your own money for more than a few days is an extremely expensive proposition. Paying 10 to 20 bucks a year extra on your car insurance to get loss of use coverage is definitely a better deal. Do it!

Willie James is a car insurance expert of CAR INSURANCE NEWS agency. His job is to analyze online auto insurance company information and publish different reviews for Federal Insurance Bureu (FIB) in Moscow, Russia. His hobbies is chemistry of plants and seeds and growing.

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InsuranceAgency — Sun, 04 Jul 2010 05:40:13 +0000

Speech delivered to the National Religious Broadcasters convention in 1987. I was in Primerica (the former ALWilliams company) selling term life insurance and mutual funds for 18 months and I got my guts cut out. I made $500 full-time in that year and a half. But I never quit. And somewhere along the way I had a revelation: my number one job in Primerica is to become just like my coach, Art Williams. If I became just like him, and did what he did, I would have what he had. I knew as a coach what he wanted most was for his people to do exactly what he says, so I wrote him a letter, telling me what I was going through, but what he was teaching me and how I understood the difference between winning and losing, and what my plans were for the future. Now Art, who is a billionaire, never met me, has a great family, great relationships, hundreds of close teammates around the world, and had just had heart surgery and was living on borrowed time, cared enough about a loser like me a thousand miles away in another country to write me a letter. Art Williams cared about me, my dreams, my goals, my hurts, and my passions. He captured my heart, and it changed my whole life. He made me feel like a stud, and he made me feel like I can win. I left Primerica because I got called to the ministry, and after a few years of learning and preparing, I am ready now to step out in faith and persue my biggest dream in life. I still work hard every day to become like my coach, I will never forget …

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I was in Primerica (formerly the ALWilliams company) selling term life insurance and mutual funds for 18 months and I got my guts cut out. I made $500 full-time in that year and a half. But I never quit. And somewhere along the way I had a revelation: my number one job in Primerica is to become just like my coach, Art Williams. If I became just like him, and did what he did, I would have what he had. I knew as a coach what he wanted most was for his people to do exactly what he says, so I wrote him a letter, telling him what I was going through, but what he was teaching me and how I understood the difference between winning and losing, and what my plans were for the future. Now Art, who is a billionaire, never met me, has a great family, great relationships, hundreds of close teammates around the world, and had just had heart surgery and was living on borrowed time, cared enough about a loser like me a thousand miles away in another country to write me a letter. Art Williams cared about me, my dreams, my goals, my hurts, and my passions. He captured my heart, and it changed my whole life. He made me feel like a stud, and he made me feel like I can win. I left Primerica because I got called to the ministry, and after a few years of learning and preparing, I am ready now to step out in faith and chase my biggest dreams in life. I still work hard every day to become like my coach, I will never forget the things I learned from him, and I will always have a place in my heart …

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