What Insurance Do You Need Rental Car
That s because the coverage on your personal auto policy may extend to a rental car.
What insurance do you need rental car. You might not need to buy extra car insurance from the rental car company. If you don t have car insurance you have very high deductibles or you don t have comprehensive and collision you ll probably want to think about at least opting for the rental company s loss damage waiver. Rental car companies may offer different types of auto insurance coverage including collision personal property and liability coverage. Liability insurance is provided with your rental vehicle.
In most states you re responsible for paying third party damages when you re in an automobile accident when you rent a car you have the option to buy liability insurance or other forms of supplemental coverage that will erase the burden of having to pay for repairs. Call your insurance company to verify. If you feel like the coverage you have through your car insurance and your credit card is sufficient and it likely is then there s no need to purchase any additional insurance from the rental car company. If you have personal car insurance with comprehensive and liability it most likely will cover your rental car.
You may reduce your responsibility for damages to or the theft of the rental vehicle by choosing any of our protection products available to you. However you need to ensure your current liability and collision. For instance your auto liability coverage may help pay for another person s medical bills or damage to another person s property if you cause an accident in a rental car. The question is do you need to buy insurance from a rental car company if you have a personal auto insurance policy or if you have coverage through your credit card.
If you ve ever rented a car you ve probably been warned by salespeople at the counter about the possible consequences of walking away without buying their company s rental car insurance. The rental car company will offer to sell you insurance coverage but it s often expensive. Filing a hefty claim with your insurance. It will sell you collision and liability insurance plus supplemental insurance to cover medical costs.
If you also have rental car insurance through your credit card it can serve as secondary or supplemental insurance. You don t have car insurance or what you have is bare bones.
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