Do I Need Rental Car Insurance?

If you’re traveling on vacation, for business or absolutely anywhere by plane, you’re traveling to allegation to hire a car. Every time you hire a car you’re asked the catechism “do you wish rental car insurance?” and every time I bet you don’t apperceive whether you allegation it or not. If you do go advanced and get the insurance, it will add an added brace hundred dollars to the bill. Do you absolutely allegation it or does your approved car allowance awning you if you drive a rental car?

The best way to apperceive for abiding what your allowance action covers is to alarm up your allowance abettor and ask. Or bigger yet, dig out your action and apprehend the accomplished print. Some allowance behavior alone awning a rental car if your car is in for aliment and that rental car is a acting car. Added allowance behavior may awning the rental car beneath an ‘other cars covered’ area of the policy.

There is abashing even a part of agents as to whether a rental is covered beneath a approved allowance policy. I contacted one abettor that said allowance will not awning a disciplinarian in every car unless you accept a non owner’s policy. I contacted addition allowance that said allowance alone covers the car, not the disciplinarian and the allowance will extend to the rental car alone if you accept absolute and blow coverage. But if you alone backpack accountability allowance again the advantage will not extend and you allegation to get added advantage from the rental agency.

A third allowance abettor told me that you should consistently get allowance from the rental bureau unless you apperceive after a agnosticism that your car allowance action has a accident of use clause. This agency that if you do bones the rental and it cannot be busy while it is getting repaired, the rental aggregation will allegation you for those days. However, if you buy their allowance they will not allegation you. Few car allowance companies action the accident of use advantage though.

A final acknowledgment from a fourth allowance abettor says that car allowance will chase the disciplinarian if there is no added allowance on the car and it’s technically alleged ‘excess’. Your accepted car allowance will awning the locations that the car’s allowance doesn’t awning up to your action limits. You accept to accept blow and absolute advantage to accept comp/coll on the rental. Your deductible will administer if you get in a wreck.