questions that may come up is do you need rental car insurance. Auto
insurance protects you from unforeseen circumstances. When renting a
car most car rental agencies will try and sell you auto insurance
coverage.
Auto insurance sold by car rental firms will include:
• Collision Damage Waiver or Loss Damage Waiver which will protect you
against damage or theft of rental car. The coverage is however void if
you drive under intoxication, have an accident due to speeding, or
drive on unpaved roads.
• Liability Insurance as required by the law of your state. This gives
excess liability coverage but will not suffice in case of a serious
accident.
• Personal Accident Insurance covering you and the passengers for
medical and ambulance bills.
• Personal Effects Coverage that protects personal items from theft.
But before you buy any coverage you must consider:
a. If you rent cars very often then it will be cheaper for you to
purchase a non-owner insurance coverage that will protect you and your
spouse and will most probably include uninsured or underinsured
motorist coverage, personal injury protection or PIP, and medical
coverage. However, you may need to buy a collision damage waiver from
the rental company to protect the rental vehicle.
b. You need to check with your own auto insurance policy whether it
covers rental cars. More often than not the liability coverage limits
that exist on the auto insurance policy owned by you will be effective
for rental cars too. Just check with your policy whether it covers
rental cars.
c. Many credit cards offer coverage. So check whether your card offers
this facility and what the specific terms and conditions are. Find out
if you need to be enrolled to get coverage.
d. The latest in car rentals is being responsible for damaged caused
by "acts of nature." Ensure that you understand what each phrase in
the car rental contract means and always dig in your heels and demand
a clear explanation for any clauses you don't understand. Check if
your personal auto insurance policy covers "acts of nature" for rental
cars.
e. Auto insurance coverage for rental vehicles differs from company to
company so find out clearly who and what is covered by the auto
insurance in case of a rental car. Many policies may cover only you or
you and your spouse.
f. If you are renting a car outside the US your auto insurance policy
may not cover loss and damage to the rented vehicle or liability
injury. When traveling abroad you may need additional coverage.
g. Find out before you rent a vehicle if the auto rental company
includes basic automobile liability and standard comprehensive
insurance protection as well as theft insurance as part of the service
at no additional charge.
Before you decide on rental car insurance surf the World Wide Web and
read up on rental car advice as well as auto insurance needs written
by experts in the travel and insurance business. This will update you
on the latest requirements and introduce you to auto insurance
necessities. This knowledge will enable you to take the right
decisions.
Barry Allen is a freelance writer for 1888carinsurance.com
1888carinsurance.com , the premier website to find Car Insurance
Quotes including auto insurance quote, online auto insurance quote,
free car insurance quote, cheap car insurance quote, on line car
insurance quote and more. His article profile can be found at the
premier Car Rentals site 1866carrental.com 1866carrental.com
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