A s February comes to an end, you might choose to escape the brisk winter air — or continue to embrace it. Whether you plan
to travel south to sit by a pool and bask in the warm
sun or head north to enjoy the mountains and winter
activities, Educators Insurance wants to help ensure
that you have the coverage you need if you plan to
rent a vehicle.
Before you rent a car, it’s important to consult
with a licensed advisor at Educators to review
current coverage included in your auto policy. Many
people don’t realize that in some cases they may
already have coverage that extends to a rental car. In
this case, buying additional protection from a rental
company would only duplicate your coverage.
If you’re renting a vehicle for leisure and you
have an accident, your policy provides coverage just
as if you were driving your own vehicle. This means
collision, comprehensive and liability coverages, as
described below, would apply if provided by your
If you don’t have comprehensive or collision
coverage on at least one auto on your policy,
however, you are not covered for physical damage to
the rental car. Even if you do carry comprehensive
and collision coverage, you are subject to your policy
deductible for these coverages.
You may also be eligible to purchase an
additional coverage option, DriveSmart Advantage,
from Educators Insurance.
As long as collision or limited collision and
comprehensive coverage apply to at least one of your
autos, DriveSmart Advantage covers loss of use,
diminished value and reasonable fees for which you
are liable in a rented auto.
Although collision, comprehensive and liability
coverages extend to rental cars, they don’t cover all
expenses. That means you might want to purchase
Loss Damage Waiver coverage offered by the rental
company for several reasons. These include:
n Loss of Use: This is the cost charged to you by
the rental car company for the time a damaged rental
car cannot be used and is being repaired. Depending
on how long the repairs take, the cost can really add
up. For example, if you get into an accident and the
rental repair takes 10 days, the rental company is
losing money for 10 days that someone else could
have been utilizing the vehicle.
n Diminished Value: If the rental car is
severely damaged, the rental company will often
not repair it or return it to the shop. The company
will call it “totaled,” and you, the customer, could
be responsible for the difference between the actual
cash value and the salvage value that the rental
As always, licensed representatives at Educators
Insurance are available at your convenience, from
7 a.m. to midnight Mondays through Fridays and
from 9 a.m. to 5 p.m. on Saturdays. Representatives
are ready to help ensure that you have the coverage
you need to protect yourself and your family during
winter travel. Call 888.908.6822 today or visit
www.educatorsinsuranceagency.com to learn more.
All products are underwritten by The Hanover Insurance Company or one of
its insurance company subsidiaries or affiliates (“The Hanover”). Coverage may not
be available in all jurisdictions and is subject to the company underwriting guidelines
and the issued policy. This material is provided for informational purposes only and
does not provide any coverage. Educators Insurance Agency (“EIA”) is a member of
The Hanover Insurance Group, Inc. For more information about The Hanover, visit
www.hanover.com. EIA also offers products through Andover Insurance Company,
which is not a member of The Hanover Insurance Group, Inc. LC 2016-494
MTAB Annual Meeting
MTA Benefits welcomed new board
members on Nov. 16 and said goodbye
to MTAB’s longest-serving director,
Richard Liston. Seated from left to right
are MTA Vice President Erik J. Champy,
MTA President Barbara Madeloni and
MTAB Directors Robert V. Travers, Jr.,
and Kathleen Meltsakos. Standing from
left to right are Director Jacqueline
Gorrie, MTA Executive Director-Treasurer
Ann Clarke, MTAB President Maryann C.
Robinson, Director Ryan Hoyt and Liston.
Directors Donna Johnson and Gerard
Ruane are not pictured.
Photo by Bob Duffy