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Should I Buy Rental Car Insurance?


Rental car agencies have a menu of insurance policies they would like to sell you. While each policy could be of some benefit under the right circumstances, you should review each plan (its provisions, limitations, and exclusions) before making a purchase. It is a good idea to request the detailed information from an agent at the rental office, as most companies only provide a summary on their Web sites.

Keep in mind; you may not need to buy this additional car insurance because you have auto insurance from your own car insurance company. Generally speaking, when you rent a car, the liability coverage limits you have in your own auto insurance policy remain in effect with the same limits. In addition, the comprehensive and collision coverages you have in your own auto insurance policy remain in effect with the same deductibles. You do have comprehensive and collision 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 some kind of additional auto insurance coverage through your credit card but it is important that you check your credit card information for specific details. Some cards only offer coverage if you rent your car from a particular agency. Some limit the days for which coverage is available. Some will only provide coverage for certain types and/or classes of cars. With some cards, the coverage is not automatic and you must enroll in a program to get coverage. Some cards that advertise automatic rental insurance really only reimburse you for the deductible that you would have to pay under your regular insurance policy. Still others may provide 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 supplemental liability policy protects against claims from others and a Loss Damage Waiver (LDW) covers the rental car. LDW is not technically insurance; rather, it is a company's agreement not to hold the consumer liable for loss from all or part of any damage to merchandise.

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

If you suffer a loss that is not covered under your auto policy, check your other insurance policies. For example, if personal property has been stolen from your rental car, it may be covered under your homeowners or renters 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 find out exactly what is covered under your own auto insurance policy.

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

Visit http://www.carinsurance.com For All Inclusive Auto Insurance

Tim Register is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online...anytime!


MORE RESOURCES:

Insurance - Google News

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California wildfires: New bills aim to ease insurance headaches - The Mercury News


The Mercury News

California wildfires: New bills aim to ease insurance headaches
The Mercury News
SACRAMENTO — California lawmakers on Tuesday took aim at the insurance industry after hearing “horror stories” from constituents struggling to rebuild in the aftermath of a record-setting wildfire season that caused more than $9 billion in damages ...
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MJ Insurance Adds Rarick as Risk Management Consultant in Arizona - Insurance Journal


MJ Insurance Adds Rarick as Risk Management Consultant in Arizona
Insurance Journal
MJ Insurance has added Justin Rarick as a risk management consultant in its Phoenix, Ariz. office. Rarick is responsible for driving sales and service to new and existing clients. Rarick previously was a commercial claims specialist at Nationwide ...

Enlarging insurance pool makes sense - Baltimore Sun


Baltimore Sun

Enlarging insurance pool makes sense
Baltimore Sun
Dan Morhaim for his continuing focus on improving the state's procurement processes to benefit taxpayers (“Pooling insurance makes sense for Maryland,” Jan. 10). Once again, he proposes an innovative approach to saving taxpayer dollars and improving ...

At GE, $6.2 Billion Charge for Finance Unit Hurts CEO's Turnaround Push - New York Times


Reuters

At GE, $6.2 Billion Charge for Finance Unit Hurts CEO's Turnaround Push
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The newly disclosed trouble surfaced in one of those, a reinsurance unit, North American Life and Health, mainly because of the higher-than-expected cost of reinsuring long-term care policies sold by other insurers. After examining the trend in claims ...
GE reignites break-up talk after $11 billion insurance, tax hit Reuters
GE shares dive after 'deeply disappointing' $6.2 billion insurance portfolio charge CNBC
General Electric's (GE) Presents Insurance Update Broker Conference Call (Transcript) Seeking Alpha
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Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed - Insurance Journal


Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed
Insurance Journal
The Oklahoma Insurance Department says a farmowners insurance program being advertised in Oklahoma is not valid because the insurer, Rockingham Casualty Company, is not licensed to operate in the state. In early January, Rockingham Casualty and Edmond ...

The number of Americans without health insurance jumped by 3.2 million in 2017 — and Congress could be to blame - Business Insider

E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty - Insurance Journal


E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty
Insurance Journal
“CapSpecialty is committed to offering our wholesale brokers and insured customers access to strong environmental coverage, and Rockhill's appetite, products and focus on small to mid-sized business are all well aligned with those of CapSpecialty ...

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Troubles Push GE to Consider a Breakup - Wall Street Journal


Wall Street Journal

Troubles Push GE to Consider a Breakup
Wall Street Journal
General Electric Co. GE -2.93% is considering breaking itself apart, a dramatic move that would mark the end of one of the oldest and largest U.S. conglomerates. The 125-year-old business, which was once the most valuable U.S. company and still employs ...

Insurance Industry Bands Together to Make a Difference in North Carolina City - Insurance Journal


Insurance Journal

Insurance Industry Bands Together to Make a Difference in North Carolina City
Insurance Journal
A group of insurance and risk management professionals are working together to make a difference in one of North Carolina's largest cities. The group, Community Matters: Insurance Partners of Charlotte, started in 2012 to help raise funds to build a ...

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