I carry full coverage on both vehicles - roll over from when there were notes on them, but I elected to continue paying in the event we were involved in an accident and the other party did not have insurance. That's increasingly common up here, so I'd rather be protected.
I thought it strange that I was directed to work directly with the other insurance company by my agent. It seems like that's a service my company should be providing me. I go through them, they go collect blood from that turnip.
Fortunately, as I mentioned, I do not need a rental as we have a spare vehicle.--
flickr | 'Cause I've been waiting, all my life just waiting
For you to shine, shine your light on me