An Independent Review of Rental Car Insurance 2
However, if you have been involved in an accident covered by your car insurance policy and your car is in the repair shop that is being repaired. Damage to the replacement car you rent will be covered by the full and collision coverage of your personal auto insurance policy. This means that you will have to pay the deductible for these coverages if you damage the rental car. Use the coverage provided by your credit card: Most major credit cards advertise car rental insurance as one of the benefits of owning your card. The truth is that the coverage offered by these cards is usually paid only after the limits of your personal auto insurance policy have been exhausted and only if you have used your card to pay the full rental price. The level of credit card protection seems to change daily, so we recommend that you call your credit card company to determine your exact level of car rental protection.
When talking to your credit card representative, ask for information about liability coverage, comprehensive coverage and vehicle collision. The best is to do this in writing because it is not uncommon to get many different responses from the same credit card firm. You need to also inquire by clicking here https://www.carinsurancequotescomparison.org to see if there are any exclusions. A lot of credit cards exempt exotic or luxury car rental coverage. Buy a Non-Owned Car Insurance Policy: If you rent cars often but don’t have your own car insurance policy, you can save a lot of money by buying a “non-owned car” liability policy. This policy offers the same type of protection as the excess liability coverage offered at the car rental desk. These types of policies usually cost about $ 300 a year and will be covered when driving a private car. This policy only provides protection against personal injury and liability for property damage. You will not pay for damage to your rental car; therefore, you should still purchase Collision Damage Waiver or use one of the coverage methods discussed above.
If you are unable to secure coverage using any of the methods listed in the previous chapter, seriously consider purchasing coverage at the car rental desk. It can be difficult to get honest advice on the coverage of these car rental agents because they receive a commission every time they are sold. Don’t worry we’ve provided all the help you need below.