How to Choose the Right Insurance for Your Rental Car

It is easy to imagine the worst case scenario when considering the property damage and threat to life that can occur while driving a rental car. One individual name Lisa rented a car from Hertz while on vacation in Maui. Lisa did not purchase the rental company’s insurance because she believed that her personal auto insurance would cover any damages that occurred during the rental period. Unfortunately, Lisa was in an accident and Hertz refused to cover the damages because she did not have their insurance. She ended up owing Hertz $3,500. It could have been much more. Imagine if she was involved in a fatality, personal injury, or stolen vehicle. These expenses can cost up to hundreds of thousands of dollars. “Since I own my own party bus business, I know the importance of insurance, but I don’t deal with it on a daily basis. I always check with my insurance agent before leaving town when I anticipate renting a vehicle,” says Hank Johnson, owner of Arlington TX Party Bus.

When you are hiring a car, it is important to make sure that you have the proper insurance in place. There are a few things to consider when choosing insurance for your rental car.

First, you need to make sure that your personal automobile insurance policy will cover you while you are driving a rental car. Many policies do not provide this coverage, so it is important to check with your insurer before you rent a car.

If your personal auto insurance policy does not cover you while driving a rental car, you may need to purchase additional insurance from the car rental company. You can usually do this at the time of rental.

The coverage offered by car rental companies typically includes collision damage waiver and liability insurance. collision damage waiver covers damage to the rental car if it is involved in an accident. Liability insurance covers damage to other property or injuries to other people that may be caused by the rental car. You can also purchase supplemental liability protection, which provides additional coverage above the amount that is typically covered by the car rental company’s insurance.

Personal accident insurance provides coverage for medical expenses and accidental death and dismemberment for the driver and passengers of the rental car. This coverage is typically not included in the car rental company’s insurance.

The amount of coverage you need will depend on a number of factors, including the value of the rental car and your personal financial situation. If you have a good personal auto insurance policy, you may not need to purchase additional coverage from the car rental company.

If you have a good credit card, it may provide rental car insurance benefits that will cover you in the event of an accident. However, you should check with your credit card company to verify the coverage before you rent a car.

Choosing the right insurance for your rental car can be tricky, but you don’t need to fear the worst possible scenario. You can find affordable coverage to protect you against the horror stories. Just make sure that you are properly insured before you hit the road. You can check with your personal auto insurance company or your credit card company to see if you are covered before you rent a car. If not, you can purchase additional coverage from the rental company.