Insurance Agency offering Auto & Car Insurance In Hinesville, Pooler, Rincon, Richmond Hill GA & Surrounding Areas
Get great service, affordable rates and the protection you deserve. Lee, Hill & Rowe Insurors has been offering Savannah auto insurance for over 15 years and we will make sure you receive the customized coverage that you and your family need. Do you know if you are paying more for your insurance coverage than you should? At Lee Hill & Rowe Insurors we carefully review these and other important issues because we want you to have the best automobile insurance protection for the lowest available rate.
CLICK HERE to request a free auto insurance quote
We offer coverage for your commercial automobile, RV, ATV, Classic cars, motorcycle, boat, or personal watercraft and can meet your needs for personal umbrella coverage.
As a full-service agency offering Savannah auto insurance for over 15 years, we are always happy to perform a thorough coverage review of all of your policies to see where you can save money by packaging.
- Personal watercraft (ie: jet skis)
- ATV’s / Off-road vehicles
- Golf Carts
- Classic Cars
Rental Cars: Should you purchase rental agency coverage?
If you have collision and comprehensive (“other than collision”) coverage on your own car, you are most likely covered if you’re traveling in the United States, its territories and possessions or Canada (for example, travel in Mexico, the Bahamas or Europe would not be covered). Most policies (except business policies) cover any rental car that you drive at no additional premium. Business cars frequently require an extra premium to afford the same coverage. Give us a call before you leave for your “fun in the sun and/or snow” to confirm your coverage.
Accident With a Borrowed Car: Whose policy pays?
If you lend your car to a friend and your friend has an accident, it might be your insurance that’s on the hook. It all depends on the insurance company that issued your policy. One company’s policy may state:”the insurance follows the car”; while another company’s policy says the driver’s insurance is the primary coverage even though you own the vehicle involved.
Let’s take a look at the two different scenarios:
- If the insurance follows the car and you lend your car to a friend, your coverage is considered the primary coverage. If your friend has an accident, it’s your auto insurance that will pay the claim. If the accident is serious enough to use up all of your policy’s coverage, then your friend’s coverage, which is considered secondary, might also be used.
- If the insurance follows the driver, coverage is provided the other way around. If you lend your car to a friend and they have an accident, it’s their policy that is considered primary coverage, meaning their insurance company will pay the claim. In this case, your policy would be secondary and wouldn’t pay for anything unless your friend’s policy limits were used up.
All these rules go out the window in many cases if the person borrowing the car happens to be a relative who resides in the same household as the owner. You should read your policy carefully to see what type of coverage applies to you.
Remember these two things: First, always exercise caution when it comes to lending your car. Second, if you’re ever in doubt about whether you or another driver is covered in any given situation, please call us.