Shhhh ... this is so embarrassing that I’m trying to keep quiet.
But maybe there’s an Ethel — or even a Ricky or Fred — who need’s Lucy’s advice.
Yes, I know I’m not a steady stream of wisdom — more like a continuing I Love Lucy TV episode of comedy — yet, when I learned this information during our trip to Arizona, not one giggle escaped. Instead, I leaked tears.
“What do you mean we might not be covered?” I shuddered remembering our near “welcome home” from St. Peter. “I thought we had insurance on our rental car!”
The image of pearly gates was still fresh on my mind. The day before, our wrong left turn into three lanes of speeding traffic had my husband, Bill, and I pouring out prayers. We’d escaped without a scratch. But now, upon hearing this latest news, anxiety was racing through my mind.
I crossed my legs and listened carefully.
“Well," he explained, “I got to thinking in the middle of the night that I took collision off our vehicles. So if we have an accident, it may be that our personal insurance won’t pay for any damages to our rental car.”
Dollar signs flooded my mind as I attempted the math on replacing a 2010 Ford Flex Limited. Leather seats, rear-view camera, GPS — the list went on and on. If Bill was right about our coverage, we’d made a huge mistake when we declined the rental agency’s insurance.
Uh oh! I almost ...
A quick telephone call to Liberty Mutual confirmed exactly what had been worrying him at midnight. However, according to the agent, we could reinstate the full coverage — a payment of less than $20 total on the remaining months — and it would be effective immediately.
I could laugh again.
Even so, here’s my advice to you: Before you rent a car, avoid an uncomfortable problem that you — like me — would want to keep under wraps. Refresh yourself on what your insurance plan covers.
Yours, of course, may differ from ours. It just “depends.”