State Farm Insurance Informative - Beware "coverage" of rental cars by your Insurance Company
MINNESOTA -- I am currently unable to get affordable car insurance (less than $1500 per year) because of a chipped windsheild. State Farm (and potentially all insurers in Minnesota) code ANY claim on a rental car as PROPERTY DAMAGE LIABILITY, and it therefore appears on your record as an AT-Fault accident. The cost of insurance for me (if I want to leave state farm) has DOUBLED because of a $200 claim from a no-fault chipped windsheild incident. YOU ARE NOT COVERED BY YOUR INSURER FOR RENTALS IF YOU LIVE IN MINNESOTA.....THEY MAY PAY THE CLAIM (minus a significant service charge from the rental company that they won't pay) BUT YOUR RECORD WILL BY SHOT. THEY CAN THEN RAISE YOUR RATES ALL THEY WANT BECAUSE YOU WILL NOT BE ABLE TO GET COMPETITIVE QUOTES FROM OTHER COMPANIES. THAT IS A RACKET! BY THAT LOGIC THERE IS NO DIFFERENCE (ON YOUR RECORD) BETWEEN GETTING A CHIPPED WINDSHEILD AND DRIVING YOUR RENTAL THROUGH SOMEBODY'S KITCHEN. OUCH! I AM A PROVEN SAFE DRIVER WITH NO AT-FAULT ACCIDENTS AND LESS THAN $2,000 PAID IN CLAIMS BY STATE FARM IN 8 YEARS AS A CUSTOMER BUT I CANNOT FIND INSURANCE FOR LESS THAN $200 PER MONTH!