Should I Buy Rental Car Insurance?

Rental car agencies have got a bill of fare of insurance policies they would wish to sell you. While each policy could be of some benefit under the right circumstances, you should reexamine each program (its provisions, limitations, and exclusions) before making a purchase. It is a good thought to bespeak the elaborate information from an agent at the rental office, as most companies only supply a summary on their Web sites.

Keep in mind; you may not need to purchase this further car insurance because you have got auto insurance from your ain car insurance company. Generally speaking, when you lease a car, the liability coverage bounds you have got in your ain auto insurance policy stay in consequence with the same limits. In addition, the comprehensive and hit coverages you have got in your ain auto insurance policy stay in consequence with the same deductibles. You make have got comprehensive and hit coverage don't you? See our article, "How Much Car Insurance Should You Buy?" for a listing of coverage types and definitions.

You may also have got some sort of further auto insurance coverage through your credit card but it is of import that you check your credit card information for specific details. Some cards only offer coverage if you lease your car from a peculiar agency. Some bounds the years for which coverage is available. Some volition only supply coverage for certain types and/or social classes of cars. With some cards, the coverage is not automatic and you must inscribe in a programme to get coverage. Some cards that publicize automatic rental insurance really only reimburse you for the deductible that you would have got to pay under your regular insurance policy. Still others may supply only collision and comprehensive coverage, leaving you exposed for personal injury or property damage to others. Rental car agencies typically offer liability coverage in two parts - a auxiliary liability policy protects against claims from others and a Loss Damage Release (LDW) covers the rental car. LDW is not technically insurance; rather, it is a company's understanding not to throw the consumer apt for loss from all or portion of any damage to merchandise.

Before you lease a vehicle, recognize the charges you could be responsible for and how these charges are covered or not covered by both your ain auto insurance policy and the car insurance the rental company is offering.

If you endure a loss that is not covered under your auto policy, check your other insurance policies. For example, if personal property have been stolen from your rental car, it may be covered under your homeowners or tenants policy. Similarly, certain medical policies may cover costs of injuries not covered by your car insurance policy.

As always, check with your insurance company to happen out exactly what is covered under your ain auto insurance policy.

Remember, for quick quotes and the easiest manner to purchase car insurance on-line or over the phone, visit us at http://www.carinsurance.com

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