WEDDING DAYS AND YOUR GLENDALE, ARIZONA INSURANCE BROKER

If you ever watch “Say Yes to the Dress” or “Four Weddings” you will know that a wedding these days is no small venture where investments are concerned.  In fact, we can be looking at a cash outlay of anywhere between $20,000 and $100,000 +!  That’s why if you are planning a wedding, either for yourself or a loved one, you are pretty apt to want to be aware of WEDDING DAYS AND YOUR GLENDALE, ARIZONA INSURANCE BROKER.

“The dread of every father,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted with just a tinge of empathy in his voice, “is that his daughter’s wedding day is plagued by one or more disasters.  Her crushed feelings aside, such incidents can put a real strain on a family’s finances if they didn’t have enough foresight to Insure the Blessed Event.”

The “Disasters” that can plague a wedding are numerous and varied. These include, but are not limited to:

  • Vendor Failures – These can run the gamut from the venue going out of business to the caterer failing to show up!
  • An Injury at the Wedding – As the “host” of the Wedding, it is possible that you could be held liable should, in fact, someone get injured. Often, these injuries take place on the dance floor. However, you could also be held liable if someone at your party drinks too much and on the way home injures someone as a result of their inebriation.
  • Lost or Ruined Attire – The cost of dresses and gowns is so great that if something happens to them Insurance would be a welcomed assurance.
  • Family Medical Emergency – If such an unfortunate event were to occur and mandate a rescheduling of the nuptials, the purchase of Wedding Insurance in advance will help ease the pain of such an occurrence to a major degree.
  • Extreme Weather – Depending on where you live in the country this could be of varying importance to you! Hurricanes, tornados and ice storms can sure play havoc with Wedding Plans!

As you can see, being aware of WEDDING DAYS AND YOUR GLENDALE, ARIZONA INSURANCE BROKER certainly is not something you want to ignore if you ARE, in fact PLANNING A WEDDING!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to have peace of mind regarding an upcoming family wedding.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 (To learn more about this issue, research “INSURANCE AND WEDDINGS ”)

DRIVERLESS CARS AND YOUR GLENDALE, ARIZONA CAR INSURANCE

What a month March was for Arizona! Spring Training ended and the MLB Season started with a D-Back victory over Division Rivals San Francisco Giants; The Final Four in Glendale found first time entrant Gonzaga battling veritable powerhouse North Carolina in the March Madness finale, and the Suns making an end of the season charge for first pick in the NBA draft!  But off the courts and fields another intriguing event took place – – a car accident occurred in Tempe.  And, it wasn’t just ANY car accident, it was the first Self-Driving Car accident! With the apparent inevitable trend to Driverless Autos, it is, without a doubt, imperative that you familiarize yourself with DRIVERLESS CARS AND YOUR GLENDALE, ARIZONA CAR INSURANCE.

        “There is no doubt about it,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted, “we are entering into uncharted waters where this issue is concerned.  For example, how will your rates be determined?”

This may not be as trivial as it first appears. Typically, rates are determined by such factors regarding the owner/driver as:

  • Age
  • Gender
  • Claims History
  • Driving Record

“Theoretically,” Bivona continued sagely, “the Insurance Issue will be shifted from the driver/car owner to the automakers.  Due to the fact that there is limited data regarding this issue, to say the very least, it may take a while to get everyone involved on a level playing field.”

Theoretically, again, there should be far fewer accidents with Self-Driving Cars, as it is estimated that over 90% of car accidents are the result of human error.  If that is the case, accidents should be few and far between.

“Maybe,” Bivona added with a degree of intrigue in his voice, “TESLA has the right idea.  Their latest plan is to ‘bundle’ Insurance and Maintenance into the purchase price of their future vehicles.  This takes into account,” he continued, “the Autopilot Safety Features, and the fact that it should reduce the number of collisions and, in turn, a reduction in the risk premium.”

As you can see, being aware of DRIVERLESS CARS AND YOUR GLENDALE, ARIZONA CAR INSURANCE certainly is not something you want to ignore if you do, in fact, intend to ever own a Driver-less Car!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “INSURANCE AND SELF-DRIVING CARS ”)

LACK OF COVERAGE AND YOUR PEORIA, AZ HOMEOWNERS POLICY

I recently heard a sad story.  One of my wife’s co-workers had her apartment flooded – for the second time in a month!  The first time, the water pipe attached to her washing machine burst, flooding the apartment.  The second time, the water pipe attached to the washing machine in the apartment over hers broke, flooding both of their apartments!  She got hold of her Insurance Company and discovered that while most of her stuff was covered, some of it had a “coverage limit,” and the value of her items exceeded that limit.  The saddest part she is that she “assumed” she was fully covered, as she had never actually read her policy!  That’s why if you rent or own a home, you should be most interested in LACK OF COVERAGE AND YOUR PEORIA, AZ HOMEOWNERS–OR RENTERS–POLICY.

             “I try to go over every possible scenario with my clients when they buy a Homeowners or Renters Policy,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “but often the homeowner or tenant doesn’t share important information with me, and as a result there may be issues not covered that they might have noted had they read the policy.

These “issues” include, but are not limited to:

  • Burst Water Pipes – The damage caused by the pipes is covered, but most often repair of the pipes is not!
  • Dog Bites from Certain Breeds – As some breeds are considered “high risk,” you need to verify if your pet is covered or not.
  • Mold – One of the more complicated issues, coverage may be denied if the mold is the result of poorly maintained water pipes that burst.
  • Nuclear Accidents – This may seem ludicrous – unless your home is located within a ten mile radius of Palo Verde! Bad News – your Insurance won’t cover you! Good News – The Price-Anderson Act of 1957 protects you!
  • Trampolines – Most Insurance Companies do NOT consider these harmless pieces of athletic equipment. However, through proper research you can learn more about trampoline coverage!
  • Terrorist Acts & War – These simply are not insurable events.

As you can see, being aware of LACK OF COVERAGE AND YOUR PEORIA, AZ HOMEOWNERS–OR RENTERS–POLICY, certainly is not something you want to ignore if are do, in fact, a Homeowner! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage

             To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “HOMEOWNERS INSURANCE RESTRICTIONS & LIMITATIONS”)

 

SMALL BUSINESS RETIREMENT PLANS AND YOUR PHOENIX, AZ INSURANCE BROKER

I was watching this TV Commercial the other day and was really enlightened by the sentiment that was reflected.  This “Financial Advisor” was visiting with a young lady (probably early 40s) and asked her when she planned on Retiring, and she replied, “At 70.”  While I was amazed by this, the Financial Advisor acted as though he heard that A LOT!  Now, all of my life, it was understood that most people would retire at 65; the lucky ones at 62; and the really lucky ones at 55! The fact that society has resigned itself to the fact that Retirement won’t be a possibility to at least 70 made me wonder if those entrepreneurs who own Small Businesses are making appropriate plans for Retirement, which makes SMALL BUSINESS RETIREMENT PLANS AND YOUR PHOENIX, AZ INSURANCE BROKER a viable consideration!

“What many people don’t realize,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “is that the ideal time to plan for your Retirement Exit is when you start your business.  That, of course,” he added with a chuckle in his voice, “is very rarely the case.  However,” he went on a little more solemnly, “the earlier you start giving consideration to your eventual Retirement the better.”

In regard to this, there are several things you should be considering, including but not limited to:

  • What Your End Goal Is: If your plan is to finance your Retirement by selling your Business, be advised that VERY SELDOM can Small Businessmen rely totally on such a sale to underwrite their Retirement.
  • Choose Your Retirement Investments Wisely: When it comes to Retirement, “ROI” needs to not stand for “Return on Investment” but rather “Return OF Investment.”
  • Understand the Role of Life Insurance in Your Plan. This should be considered not only for the owner but any key personnel if their loss would devalue the worth of the business.
  • Your Plan Should NOT be considered “Once and Done.” As a multitude of issues may affect the Value of your Company, you should frequently visit your plan to ensure that it is still valid in nature.

As you can see, being aware of SMALL BUSINESS RETIREMENT PLANS AND YOUR PHOENIX, AZ INSURANCE BROKER, certainly is not something you want to ignore if you do, in fact, intend to use your Business to underwrite your Retirement!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Insurance Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “LIFE INSURANCE AND KEY EXECUTIVE RETENTION ”)

 

BEING AN UBER DRIVER AND YOUR PEORIA, ARIZONA AUTO INSURANCE

Quickly – what do all of the following movies have in common:

Taxi! (1932)

Carry On Cabby (1963)

Taxi Driver (1976)

Taxi (1998)

If you said “they all are about cabs and/or cab drivers” you wouldn’t be wrong. BUT, a more complete answer might very well be, “they all are about a disappearing occupation.”  For, like lamplighters and ice men, cabbies and cab companies may soon be a thing of the past thanks to TNCs – Transportation Network Companies.  And, if you are one of the thousands of individuals who makes a few extra bucks driving for UBER or one of their competitors, or are thinking about doing so, you need to be acutely aware of BEING AN UBER DRIVER AND YOUR PEORIA, ARIZONA AUTO INSURANCE.

 

“What many people don’t realize,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “is the fact that their personal car insurance may very well NOT protect them in the event that they have an accident with a ‘passenger’ in their car.”

 

If you are already engaged in this driving activity, or soon intend to be, you need to contact a trustworthy Insurance Broker and see what kind of coverage he can best find for you.  Many companies, in fact, have a “Hybrid Policy” that will cover both your personal use of the car and the “ride share” use.

 

“One of the things you will want to be sure to check on,” Bivona advised sagely, “is whether or not the coverage you obtain will be putting any mileage restrictions on your car’s use.  This might be a most advantageous situation to you if you are NOT using ride-sharing as your full time form of employment.  You may discover that you will need a Commercial Auto Policy.  If you do acquire a Commercial Auto Policy, make sure that it will also cover personal use of your vehicle!”

 

Some of the TNCs are making head-roads into providing their own Insurance Policies that will cover their drivers.  These policies often take into consideration what “stage” of driving you are in:

  • When you are “cruising,” waiting for a ride request.
  • When you are on the way to pick up a passenger.
  • When you are actually transporting someoneAs you can see, being aware of BEING AN UBER DRIVER AND YOUR PEORIA, ARIZONA AUTO INSURANCE, certainly is not something you want to ignore if you do, in fact, intend to use your car to transport strangers for money! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.
  • To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

LIFE INSURANCE AND YOUR GLENDALE, AZ INSURANCE BROKER

If you are anything like me, you looked in the mirror on January 1st and said, “Whew!!!  Made it through another year!”  The hair, I noticed, was a little grayer, and the spring in my step is more like “BOING” than “BOING,” but, by golly, I made it through! The reality that hits you at this point, or at least it should, is, “There’s no guarantee I’ll be standing here saying the same thing next year!”  That’s why, like it or not, if we are at all pragmatically minded we must soberly think about LIFE INSURANCE AND YOUR GLENDALE, AZ INSURANCE BROKER.

“One of the issues we face,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, offered somewhat sadly, “is that to many people, thinking and/or talking about Life Insurance is not a pragmatic undertaking but more of a morbid one.”

The reality, of course, is that we all are going to die eventually, and we have no idea how soon that is going to be.  As a result, we drag our feet when it comes to making sure that we are doing everything we can do to ensure that the ones we love will be taken care of financially should anything happen to us.

“Another thing I frequently run into,” Bivona added with an air of understanding in his voice, “is that the whole concept of Life Insurance is ‘too confusing.’  The reality,” he hurriedly added, “is that this is not a complicated issue.  Actually, there are only two major considerations you have to concern yourself with.”

The two “issues” Bivona was referring to is, “What Types of Life Insurance are there?” and “How much Life Insurance do I need?”

TYPES OF LIFE INSURANCE

Term Life Insurance – Temporary life insurance that offers simply a death benefit and is generally less expensive than permanent insurance. It’s ideal for short-term life insurance needs, like when you are raising a family, paying off a mortgage, or starting a business.

Whole Life Insurance – Permanent life insurance that gives you a guaranteed death benefit, guaranteed level premiums, and guaranteed cash value that increases each year.

 

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Blended Life Insurance – Permanent life insurance with added flexibility. It lets you “dial-in” your premium to the level of whole life and term insurance desired. Offers lifetime protection through a blend of whole life insurance plus term insurance and paid-up additional coverage.

Universal Life Insurance – Permanent life insurance that allows you to increase or decrease your death benefit and your premium is flexible; subject to any limitations in the contract.

Variable Universal Life Insurance – Permanent life insurance that gives you a flexible premium and the potential to build accumulated value. However, death benefits and other values may vary, because you direct how the cash is invested among the investment portfolios offered.

(The above was taken from “Life Insurance 101: What you Need to Know”)

HOW MUCH LIFE INSURANCE YOU NEED

When purchasing life insurance, think about your goals for your overall financial strategy, your economic value to your loved ones, as well as your wishes for your survivors.

First you’ll need to calculate your economic value. To calculate your economic value–the value of your future earnings over your lifetime–consider the following factors:

Your current annual earnings.

The amount your annual earnings may increase.

How many years you plan to work until retirement.

The rate of return you expect your invested assets to earn.

You can use these numbers as a starting point when you sit down with a financial professional to determine the level of coverage you might need. Another key factor is the consideration of how much of your future economic value you want to replace in the event of your death. This will depend on the financial goals you set for yourself and your survivors.

(The above was taken from “Life Insurance 101: What you Need to Know”)

As you can see, being aware of LIFE INSURANCE AND YOUR GLENDALE, AZ INSURANCE, certainly is not something you want to ignore if you are, in fact, responsible for someone’s financial needs!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

(To learn more about this issue, research “What you Need to Know about Life Insurance”)

 

 

 

EXECUTIVE COMPENSATION or KEY MAN INSURANCE AND YOUR GLENDALE, AZ BUSINESS INSURANCE

How would you answer this question:  “How much do you earn annually?”  Most of us, undoubtedly, would give the dollar amount that is reflected on our 1040.  The thing is, if we really explore this question we would find that some of the other types of compensation we receive also enter into the parameters of “what we earn.”  There are a host of Insurances that qualify here, and one of the most important that an employer can use to ensure that they keep their key executives is a properly purchased Life Insurance Policy.  As a result, if you have a business and want to make sure that you keep your key executives, you should be most interested in EXECUTIVE COMPENSATIONor KEY MAN INSURANCE AND YOUR GLENDALE, AZ BUSINESS INSURANCE.

“Obviously,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, shared, “this isn’t for everyone.  However,” he went on, “it might be something you may very well want to consider.”

There are several “qualifications” that will help you determine it this is something you should be contemplating, including but not limited to:

  • The executive qualifies for a policy that can provide both significant cash accumulation and a sufficient survivor benefit.
  • The executive should have a need for life insurance for personal reasons, such as family protection and retirement planning.
  • The executive is willing to let the firm control policy proceeds.
  • Once you have agreed that this is a viable situation for you and your executive, there are a couple of other things you will want to consider:
  • The whole point of this benefit is for the employer to subsidize the cost of a life insurance policy that can have a major impact on the life of the executive. Because these policies can cost substantial amounts of money, the employer will take on a considerable expense in financing them. Make sure your financial experts talk to your insurance advisor about how to minimize the tax impact for both your firm and your executive.
  • The lower the cost of the insurance, the higher cash value and survivor benefit a policy will provide.To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.(To learn more about this issue, research “LIFE INSURANCE AND KEY EXECUTIVE RETENTION ”)
  • As you can see, being aware EXECUTIVE COMPENSATION or KEY MAN INSURANCE AND YOUR GLENDALE, AZ BUSINESS INSURANCE, certainly is not something you want to ignore if you do, in fact, have key executives that you want to retain as part of your firm! As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Business Coverages.

LEASING CO-WORKING SPACE AND YOUR PEORIA, AZ BUSINESS INSURANCE

There are several ways for entrepreneurs to make more money with their new companies including, but not limited to:

  • Raise your Prices – Tough to do when you are just starting out!
  • Increase your Sales – Sometimes easier said than done.
  • Reduce Production Costs – Please see Above!
  • Reduce your Monthly Overhead.

Often this is the one people most seriously consider, and one way they accomplish this is by leasing co-working space from someone so that their rent can be reduced. If this is something you are considering, or have recently done, you are going to want to fully understand the ramifications of LEASING CO-WORKING SPACE AND YOUR PEORIA, AZ BUSINESS INSURANCE.

“While this may seem like an excellent solution, and many times is,” Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, noted, “make sure you understand all of the ‘ins and outs’ of your Insurance needs and responsibilities.”

Things you need to understand include, but are not necessarily limited to:

  • Not Assuming Your Property is Covered – While the building you are in may be covered, that does not mean that all of your stuff is. This includes such things as Office Furniture, Computers and Inventory.
  • Make sure you Understand Your Liability – You may be held responsible for accidents that occur on the premises, especially to your employees or clients.
  • Protect Yourself From “Cyber Liability” Exposures – If you offer “Free Wi-Fi,” or even allow clients to just use it occasionally, you must recognize the fact that shared networks are most susceptible to being unprotected.

As you can see, being aware of LEASING CO-WORKING SPACE AND YOUR PEORIA, AZ BUSINESS INSURANCE, certainly is not something you want to ignore if you are, in fact, preparing lease co-working space!  As a result, you should contact Jim Bivona at 623-256-1000 with any questions, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.

 To learn more about the BIVONA INSURANCE GROUP, LLC go to www.bivonainsurance.com.

 

(To learn more about this issue, research “Insurance Considerations of Leasing Co-Working Space”)

 

WHY DRIVER MONITORING DEVICES ARE YOUR FRIEND

I used to wonder what FLO was talking about in those Progressive Insurance ads about the “SNAPSHOT” device.  Then most of the other companies started offering the same option, each under its own branded name.  They claim they can save you money, but have you been reluctant to find out more about it?  Scared, maybe?

I know I was. And I’m actually an insurance agent.  I asked:

What, exactly, is it?

What information does it gather?  How?

Who gets the information?

Do I really want someone to keep tabs on my driving habits?

Can I actually expect a discount on my insurance if I participate?

So, when I changed my insurance from one carrier to another, I was given the option to try their plug-in device for 90 days.  They gave me a 5% discount just for agreeing to the program, with the assurance I would not lose that discount even if my driving was not stellar.  Then, there was the further incentive of higher discounts if I did display good habits.

What good driving habits?  This is what they monitored:

 

  • Hard braking
  • Rapid acceleration
  • Number of miles the car was driven
  • What time of day or night the car was driven

 

How did it work for me? Since I had access to the same data the company did, I was able to see my driving patterns for myself. Ouch!  Apparently I drive a moderate amount of miles at the right times of day and night, with no rapid acceleration; BUT I learned that I was a “hard-braker”.  Who knew?

 

When I started paying more attention, I learned to moderate my braking.  It was fun checking into the site and seeing my own improvement.  The first words to greet me were always “You are on your way to a ______% discount.”   It was even more fun to check exactly when the hard-braking instances occurred and know it was my spouse driving instead of me!

 

How did this work out at the end of 90 days?  I ended up with a very nice discount, thank you, and believe I’m a better driver for it.

 

Would this be a good idea for you if the opportunity arises?  Ask an independent insurance agent like JIM BIVONA of BIVONA INSURANCE GROUP, LLC, who serves the Arizona communities of Glendale, Peoria, Anthem, Phoenix and suburbs.

 

Sue Mersing, Independent Insurance Agent

RENTING A CAR AND YOUR GLENDALE, ARIZONA AUTO INSURANCE

Renting a car can make a trip easier, and they come in handy if you’ve been in a fender bender or your car is in the shop for repairs.

As a go-to source for travel information, AAA reveals six things for consumers to check before renting a car:

  1. Do the math. An unbelievably low rate might not be so low when everything is said and done. Clarify taxes, surcharges and other fees you’ll be expected to pay in advance. If it sounds too good to be true, it probably is.
  2. Plan ahead. Before arriving at the rental counter, decide whether you’re going to insure your rental. Jim Bivona of Bivona Insurance Group, LLC, an Independent Insurance Agency that services the Phoenix Metro area regarding Insurance including Phoenix, Scottsdale, Glendale, and Peoria Arizona to name just a few, says you should speak with YOUR insurance agent before you deal with the rental car agency, so you understand completely what you already have, and what you will need
  3. Check restrictions. If you’re planning to drive across state lines or on a dirt road, check to see that it’s OK before you lock in your rental deal to avoid extra charges and/or penalties.
  4. Be on time … but not too early. Dropping a rental off late or early could result in extra charges. Call ahead to explain your situation and see if there’s any wiggle room on these fees.
  5. Supply your own car seat. If traveling with children, you can save $13 a day by providing your own child safety seat rather than renting one from the car company.
  6. Ask for discounts and deals. Often times, discounts are available through organization memberships and affiliations. When renting through Hertz, for example, AAA members receive the following benefits:
  • Discounted GPS rental (a savings of $10 per day)
  • Additional AAA member-driver at no charge (a savings of more than  $13 per day)
  • Use of child seat at no additional charge (a savings of $13 per day)
  • 10 percent off Hertz’s per-gallon price for Fuel Purchase Option

To make sure you don’t get hit with surprise charges once you turn in your rental, consider the following:

  • Inspect your rental car and note any existing damages such as dents, scratches, broken items and smells before you drive off the lot. When you return the vehicle, complete the walk-through with the rental car agent.
  • Write down anything you discover doesn’t work as you drive, such as windshield wipers, radio, air conditioning and CD players.
  • If you do not select the prepay fuel option, find a gas station close to the rental car return and fuel up before returning it  – keep the receipt just in case you need it.

If you still have questions, you should contact Jim Bivona at 623-256-1000, and he will be happy to discuss this concept with you in greater detail, and suggest some ways you may be able to improve your Auto Coverage.