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Does My Auto Insurance Comprehend a Rental Car?

people buying car rental insurance

It'south a situation many of u.s. have constitute ourselves in: yous're at the rental car counter, checking in to selection up a vehicle y'all booked months agone. Simply before you tin bank check out, you've got a decision to brand: volition you buy automobile rental coverage, or will you refuse it and maybe find yourself wishing you had purchased it?

Deciding whether or not to purchase rental car insurance can be confusing. But looking into rental car coverage ahead of fourth dimension, learning about what to look and having a expert agreement of your ain personal car insurance policy can help make your decision easier.

What Is Rental Car Insurance?

Rental car insurance, sometimes called rental machine coverage, is a blazon of protection that is offered at the time of rental to cover you when you rent a vehicle from a rental motorcar company. Typically, when you rent a machine in this mode – such as at the airdrome – you may be asked if you lot want to purchase coverage or waive it.

Non sure if y'all should hand over the extra cash for rental auto coverage? Here are a few details to proceed in mind, so y'all can help make sure that you're protected.

Rental Car Insurance vs. Rental Reimbursement Coverage

Rental automobile coverage is different from rental reimbursement coverage or extended transportation expenses coverage, which is an add-on to your motorcar insurance policy that tin can pay for a rental car if your personal auto is damaged in a covered blow.

Does My Current Car Insurance Embrace a Rental?

The first factor that should influence your decision to buy rental car coverage is your existing car insurance coverage. Accept the fourth dimension to review your coverage before you rent a car. What sort of comprehensive, collision and liability coverage do yous take? Does it extend to rental cars you may drive? In many cases, your existing car insurance policy will cover rental vehicles – at least to some extent. If you aren't sure if your automobile insurance policy covers rentals, check with your independent agent or Travelers representative.

Practice I Need the Coverage Offered by the Rental Company?

You lot'll need to look at the types of coverage the rental car company is offering. Is it coverage that your existing policy doesn't provide or does it overlap with your personal insurance in nigh areas? Hither are a couple of options that rental car agencies typically offer:

Liability Coverage

Liability coverage is an of import insurance protection. Bodily injury and property damage liability coverages provide compensation for injuries to others, and for the harm your vehicle does to another person'south belongings if you crusade an accident.

Typically, there's a skillful hazard your existing policy covers this already. Check your policy to make up one's mind if you could do good from more than liability protection.

Physical Harm Coverage

Physical impairment coverage includes comprehensive and collision coverage for a covered loss. This optional coverage may apply to rental automobile insurance.

Credit Card Rental Car Insurance

Have a credit carte or two? Pull up your agreements and look for whatsoever credit card rental car insurance they may include. Many credit cards offering rental car insurance as an added benefit to cardholders. These tin can either replace your main insurance coverage or offer supplementary coverage depending on the credit card and provider. To leverage these benefits, you'll need to book and pay for the car rental with the credit bill of fare in question.

How Much Is Rental Car Insurance?

The cost of rental car insurance varies, depending on what car you lot hire, how long yous'll have it and other circumstances.

Rental Car Claim Process

If you are involved in an blow with your rental car, you can contact your insurance carrier or the rental carrier. If you're not sure what to practise, contact your local independent agent or Travelers representative for guidance.

Not certain if your Travelers car insurance policy covers rental vehicles? Want to acquire more about auto insurance or get coverage for your cars? Contact a Travelers agent today.

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