Car Rental InsuranceCar Rental InsuranceAh, the great car rental insurance debate. Do you need it? Is it just a car rental company’s scam to get more money out of you, and if you refuse it and an accident happens, are you paddle-less, up the proverbial creek? There is no easy answer or no one right answer for everyone. Your personal circumstance dictate whether those few extra dollars a day are a few dollars too many or a cheap security blanket you need to buy. Types Of Car Rental Insurance Coverage If you have rented a car, chances are the company has thrown a lot of quick fire, technical sounding terms at you, trying to convince you to buy insurance. What does it all really mean? Car rental insurance really isn’t that different from your regular car insurance, and there are different types of rent a car insurance available. Liability car rental insurance protects you if the car is damaged by an accident or vandalism, or if the car is stolen. Supplemental liability simply increases the amount of your protection. Personal Effects car rental insurance insures the property you are storing in your rental car. Personal accident car rental insurance covers your medical bill, and those of your passengers, if you are injured in an accident while in the rental car. Even though most car places try to sell you these as a package deal, you can, and in some cases, should, purchase the separately, buying only what you need. Do You Need Car Rental Insurance? The only way to know this for sure is know your own personal insurance information. You may in fact already be covered. Many car insurance policies offer rental insure drivers when they rent a car as well; for instance, your State Farm car insurance policy may double as a State Farm rental car insurance policy. Credit card car rental insurance is also available through most credit cards. When you’re traveling for business, your company probably already has you covered by business car rental insurance. Check your policies for limitations before you rent a car. Some policies may only cover you for in-country rentals, so if you have a US policy, you may need to buy car rental insurance in Mexico. Be sure to check the rental car company insurance policies in advance. You can do so by checking their websites; for instance, go to Alamo’s site to read up on Alamo’s car rental insurance policies. If you’re not otherwise covered, liability rental car insurance may be a good idea in the long run. If you don’t already have medical insurance, you should consider personal accident insurance as well.
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