With so many coverage options, choose car insurance when renting a car can be an expensive and confusing experience. In the absence of adequate information, many people end up paying too much, or worse, driving the rented car with insufficient coverage.
Also contact the bank credit card with which pay the rent. Some cards give you additional insurance benefits, depending on the bank that issues and the type of card. For details of your benefits, call toll-free number on the back of the card.
Coverage options for rental cars
Once you know the coverage of your own car, compare it with the company that offers car rental to identify duplicate coverage. The main options that will offer the rental company include:
- Exemption from payment for loss or damage. You free from financial responsibility in case of damage or theft of the rental car. It also covers loss of earnings by the time the car remains disabled (for example, while the car is being repaired), as well as administrative and towing fees.
- Liability. It provides financial protection in case a lawsuit is brought against you as a result of an accident while driving a rental car.
- Personal accident insurance. It covers medical and ambulance expenses for you and your passengers in the event of an accident. Probably you do not need this coverage if you already have a good health insurance or if the insurance includes your own car.
- Coverage for personal items. It protects against theft of belongings you leave in the rental car. If you have a home insurance or rental coverage against theft outside the prop
It considers that most basic car insurance coverage does not include the temporary rental of a car accident. To avoid this unexpected expense, talk to your insurance agent and verify that count on this coverage.
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