When you go against rental car rental agent will ask you if you want to purchase insurance for the rental car. If you say no, you will be asked to initial next to each coverage that you decline. The decisions you make in these few moments could have a big impact on your financial situation. Decide if you need to buy a car in the fight against the insurance offered by the arrival of car rental can prevent you from suffering serious financial loss or wasting your money on insurance that you already have or do not want. One of the questions most auto insurance agents is, "Should I buy a prescription for a car rental when you rent the car insurance a car?" The answer to this question is maybe. May be able to provide coverage for the rental car using insurance policies you already have or you can decide if you should buy additional protection they have. In this article we will give you the information you need to make these critical decisions.
When you rent a car, there are several ways to get a cover for it without having to buy coverage on car rental counter.
Transfer the auto insurance coverage to your existing - If you rent a car and you have an auto insurance policy that are, you should take your insurance card with you identity when you rent a car. May require a rental car, and can save you a lot of time and aggravation if you are stopped by the police in the rental car. Coverage is transferred automatically and discounts on auto insurance policy for your car, you are a tenant not to use a rental car for commercial or rent in another country. You should check the declarations page of the policy on personal cars to see if you are wearing now responsible for property damage, collision and comprehensive insurance. Take note of your maximum liability for damage to property and deduct the full collision. If you rent a car in another country, you should definitely consider purchasing coverage in the face of most rental car insurance for individuals, not only cover their owners in the country where the policy was written.
And will cover the damage to the car rental agency liable for damages to the auto insurance policy for your staff if you are renting a car for entertainment purposes. However, if you have been involved in an accident covered by the insurance of your car and your car in the shop being repaired. And will cover the damage to the replacement vehicle you rent a part of the comprehensive auto insurance and collision individuals on your own police. This means that you must pay the deductible for this coverage if you damage the car hire.
The use of the coverage offered by your credit card - most credit cards advertise rental car insurance as one of the benefits of owning their cards. The truth is that these cards provide coverage usually pays only after exhausting the limits of your people, auto insurance and if you use their cards to pay rent. It seems that the level of protection for credit cards to change on a daily basis so we recommend that you call your credit card company to determine your exact level of protection for rental cars. When you talk to the representative's information request credit card liability, collision and comprehensive insurance for rental cars. It is best to do so in writing, it is not uncommon to get different answers to the same company credit card. You should also ask if there are exceptions. Many credit cards exclude coverage of luxury or exotic car rental.
Buy car insurance is the owners - if you rent a car is often, but did not have insurance on your car, you can save yourself a lot of money through the purchase of the policy provides liability this policy, "the owners of non-self." the same kind of protection that covers the excess liability offered at the rental counter car. These types of policies usually cost about $ 300 per year and cover you when you drive a passenger car. This policy provides protection for personal injury and property damage. And will not pay for damage to your car hire, you still need to buy or use the CDW methods we discussed earlier coverage.
If you are unable to obtain coverage using one of the methods described in the previous chapter, you should seriously consider purchasing coverage on car rental counter. It can be difficult to get an honest opinion on these guarantees and the car rental agent because they receive a commission every time they sell you. Do not worry, give you all the help you need below.
The collision (CDW) - This is called protection as well as loss Damage Waiver (LDW) by some rental companies car. Often referred to as insurance, but that is not true. It is actually a warning. When you purchase this protection the rental company car, frees you from any liability for damage or theft of rental cars. If something were to happen to the car you just want to give a quick application when you return the car and the car rental company to pay for repair or replacement. The price of this protection usually ranges from $ 15 to $ 25 depending on where you rent.
Warning: This coverage may become void if you cause an accident in violation of the law. This includes speed, off-road or driving while intoxicated driving so be careful when driving a rental car or a car for that matter.
If you carry a minimum amount of the $ 10,000 to cover property damage liability that may consider buying a collision because of this lower limit insurance may not be sufficient to pay for the repair or replacement of rental cars . Remember that you can also be held responsible for damage to the vehicle or to other people if you are involved in an accident and found at fault and car rental company, you are responsible for the loss of rental income for the car is damaged. These are all important factors that must be taken into account in determining whether you should buy CDW.
Another advantage of this coverage is that there is no reduction. This can be useful if you have been involved in an accident covered by the insurance policy of your car and you rent a replacement vehicle while your car is in the shop being repaired. In this scenario, you can see the damage to the rental car will be covered by your comprehensive coverage or collision, which means you will not have to pay taxes.
Companies hire cars are required by law in most states to ensure minimal liability protection for renters of their cars, but rarely enough to protect your interests if you injure someone seriously - and responsibility in an accident. Will be part of the responsibility of the insurance policy on the transfer of personal cars rental car if you have adequate limits of bodily injury and liability insurance for property damage for people with your car, and we do not recommend purchasing this coverage. Do not pay for this coverage after exhausting the limits of your auto insurance people. The price of this protection is $ 10 million to $ 13 per day for extra protection.
Personal Accident Insurance - If you or the rest of the injured in an accident or a pedestrian this coverage passengers and pay your medical expenses and ambulance fees, if necessary. If you live in a state of "no-fault" to have health insurance or insurance to cover medical expenses that may already have this protection and do not need to buy a car rental company. Check your insurance policy and health insurance and automobile to be sure. The application of this type of loss of people in your car insurance policy to raise prices to cover in case of another policy, it is really no advantage in buying the car rental company. The price of this protection usually ranges from $ 2 to $ 5 per day depending on where you rent.
Personal Effects Coverage - This is coverage for theft of personal belongings that you or your passengers, such as cameras, camcorders and laptops. It can also provide this insurance protection for your home or renters policy if you have one and you do not even need to buy a car rental company. However, owners or tenants reductions are usually $ 500 or more, and may not cover all of your articles. Review your policy declarations page of your opponent, and the Department of exceptions to whether it should cover items that are with you.
One advantage of buying this car rental company coverage is that you usually do not need to pay taxes. Just continue when you return the rental car and replayed in case of theft of your items. It will usually need to prove ownership of the goods that were stolen claim, providing the company car rental receipts or other proof of ownership. You should also ask the rental agent if the application of the exceptions to this warranty before buying. The price of this protection is $ 2 to $ 5 dollars a day.
