Auto Insurance For Renting

Do you concern yourself with auto insurance when you rent a car. Some people assume they are fully covered, have an accident, and find they are required to pay huge bills. Be sure you understand how you are covered for liability and damage to the rental vehicle before you sign your rental agreement. A little bit of upfront work can save you a lot of trouble later.

Can you rent a car without 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 have two things to worry about. You need to concern yourself with damage to other people, and you need to concern yourself with damage to the car you rent. You should figure out how you are covered before you drive away!

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 figure out that you are covered for the rental vehicle and damage to others, then you can pass on the counter policy. 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.

You may have a credit card that offers to cover any vehicles you charge on that card. However, sometimes the coverage is limited. For example, it may only cover the rented vehicle and not liability for damage to other people. Assuming you are well covered can be a mistake that will cost you a lot of money.

You may be tempted to just sign up for a policy at the rental company. Of course, this may only cover damage to the rental car too. Since these policies charge you by the day, they can run up quite a big bill. 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.


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