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Insuring Rental Vehicles
Author : Marianne Conway
There is a lot of real confusion about the topic of rental vehicle insurance. Have you stepped up to the rental car counter and wondered if you should purchase the insurance the sales person offers you?
You may not really know if your own policy covers you, or perhaps if some offer by your credit cards will provide enough protection. If you rent a vehicle, you are responsible for it and the damage it could go. Learn how to end the confusion so you can be well covered and save money!
Is it a good idea to rent a car when you do not have insurance? Even if the auto rental company allows you to do this, it is a really bad idea. When you drive a rental vehicle, you will be responsible for two types of damage. You will be responsible for turning that car back in, and you will be responsible for damage to other people. To make sure you are properly covered, it is a good idea to check ahead of time!
If you own a car, and you have auto insurance, you may be well covered. It is important to place one call to your agent or company to see how well covered you all. You need to find out if you are covered for damage to the vehicle, and for the required liability to damage to other people's property or persons! If you are in the clear, you probably can just skip the daily rate policy at the counter. However, if you only carry auto liability insurance, you may only be covered for liability when you rent. You still have the problem of covering damage to the rental car!
Some people who do not own cars also have non-owner car insurance policies. Non owner auto insurance policies are good for people who frequently rent or borrow other people's vehicles. However, they may only provide required liability protection. So you need to find out if they will cover damage to the car you are driving when you call to find out if they cover rental cars at all.
Credit card rental car coverage is also common. That policy may be limited too. For example, it may only cover the rented vehicle and not liability for damage to other people. If you rely on this coverage without checking out what it really covers, you could be making a very expensive mistake.
You may be tempted to just sign up for a policy at the rental company. This policy may only be for the actual rental vehicle. It is usually pretty expensive if you rent a lot because it costs several dollars every day you rent. Even though it may be an expensive way to get covered, it could work out much cheaper than going without insurance.
By now you may have gotten the idea that you may have to piece different policies together in order to be fully covered. For example, your auto liability policy may cover you for damage to other people. Then you may need to use a credit card or daily rate policy to cover the car you are renting.
Author's Resource Box
Can you rent a car with no insurance? If so, it is probably risky. Look for very cheap car insurance.
Article Source:
Articlebliss
Tags: insurance, car insurance, autos, automobiles, auto insurance, rental cars
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Submitted : 2011-08-24 Word Count : 526 Popularity: 132 Times Viewed: 65
