In our litigious society, you should carry as much coverage as you can afford. Companies that lease cars have found that most insurance claims fall under the 100/300/100 threshold so this limit is a good place to start.
Most insurance companies will cover a rented vehicle as long as it is for pleasure use. Remember, only the coverage you carry on your car will extend to cover the rental.
All insurance companies discourage the permissible use of your car by others. If the person is a listed driver or named insured they will be covered. You should not allow someone regular use of your vehicle but if it only happens on occasions it is usually allowed. Please contact us or your agent for the [...]
A fallen tree is only covered if the tree fell due to a covered loss. For example, if lightning strikes a tree and it falls, the tree and its removal are normally covered once your deductible is met. However, each company treats this situation differently so contact your agent for the best answer.
