We were traveling in a rental car while on vacation, and we got in an accident. I was sure that I was covered under my existing auto policy, so I declined the insurance coverage that the rental company had offered what a mistake. I found out that my coverage wasn't what I thought it was. A quick call to my Westfield independent agent would've let me know before the accident that I had a coverage gap.

Rental insurance - When the rental company representative asks if you need rental insurance, do you know what to say? A quick call to your insurance agent can help you know what coverage you have and cover any insurance gaps in advance.