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Should You Buy The Insurance When Renting A Car?
Aug 30, 2020
You have prepared everything you need for your vacation. You’ve booked your plane tickets and made arrangements for a rental car. However, once you land and get to the rental car counter, the company representative asks if you want to get their insurance for the car you’re renting. You don’t want to run the risk of having to pay big expenses if something happens to the rental car. What should you do in this case?
Understand The Offer
The car rental companies usually offer to cover the car for collision and theft. This coverage could cost as much as $19 a day. Liability insurance could also be offered at a rate of $7 to $14 per day. And medical insurance that provides coverage for ambulance and doctor costs might also be offered.
However, the coverage offered by the rental company doesn’t actually include everything. If you clearly are negligent, like leaving the keys in the car with the doors unlocked, you won’t have coverage if the rental car is stolen.
Although the coverage they are offering you is referred to as insurance, what they are actually offering is a loss damage waiver. This waiver releases you from the financial responsibility in the event your rental car gets damaged or stolen while you are renting it.
Understand The Coverage You Already Have
Do you own a car already? If so, you surely have a personal auto insurance policy that provides liability coverage. Plus, if you already have comprehensive and collision coverage on your own car, that coverage will extend to your rental car as well, and it wouldn’t make sense to pay extra for coverage that you already have.
You should consider that the comprehensive and collision coverage offered by the rental car company may have no deductible, or a deductible that is lower than you have on your own policy. If you do not have comprehensive and collision insurance, you should definitely get the coverage offered by the rental car company.
Coverage Provided By Your Credit Card Company
Almost all credit card providers provide collision-deductible waivers if you pay for your rental car with their credit card. This means the credit card company will pay for any deductible that you might be responsible for. Check with your credit card company to make sure this coverage is included.
Understand the Details
If you’re actually buying the rental car company&rsqu
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What Can We Do For You? We Have 2 Main Objectives in Our Office: 1) To be of service to you. 2) To match your insurance needs to the best policy available at the best price available. We are a multi-generational family owned Insurance agency. Barbara’s father, Herb Brown started the business in 1947 in the basement of Barbara’s childhood home wth the same two objectives. We would love the opportunity to show you why we are still in business nearly 75 years later. Give us a call at 949) 661-2201 and you will always reach us directly if you call M-F between 8:30 A.M – 5:30 P.M. You can also see more of our story on our web site www.gen-ins.com
Vehicle Safety Tip This is a simple one and will take less than 5 minutes to complete. When you are done you will have one less thing to worry about! Want To Try It? Get a penny, place it Head First into your tire several tread grooves towards the center. If you see the top of Lincoln’s head, your tread is shallow and worn. It is Time to replace your tires. If part of Lincoln’s head is covered by the tread, you have depth remaining and can wait a few months to try the test again. Easy! One less thing to worry about. Now you have extra time to call us and see what we can do to save you money on your Auto Insurance. We would love to talk to you, we have been in business almost 75 years and we are good at what we do. Callus at (949) 661-2201.
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San Clemente, CA 92673
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