Are You Renting a Car?

Like most people who rent a car, you don’t want to worry if you’re adequately protected if an accident happens. The insurance choice you make now, can determine if you’ll have unexpected claim costs later, and how quickly you can get back on the road.

Whatever you do, consider insurance on a rental car, and whatever your decision, know what you’re covered for.

There are a few ways to get coverage on a rental car.

First, is purchasing a “rental car rider” through your car insurance provider. By adding a “rental car rider” to your current policy, you may be able to transfer your car insurance coverage, and claims services, from your own vehicle, to the rental car, often at a very reasonable price. By doing this, you’ll better understand what you’re covered for, and what type of service to expect.

Keep in mind when this ‘rental car rider’ is being used, your car at home may not be insured and should stay parked.

You can also purchase coverage through the rental car agency. It may be expensive and could offer limited coverage with many restrictions. It may not include protection from lawsuits, and claims service standards are typically basic – so you’ll want to understand the details of your coverage if you choose this option.

You can also consider your credit card – many credit cards provide some form of rental car insurance as long as you use the card to rent the car.

Again, you’ll want to know exactly what it covers as it may have limitations and exclusions. You really should call your credit card company and ask for the specific insurance details.

Whatever you decide to do – you should consider all your options, nothing can ruin your day more than having to spend your own time and money on an unexpected event like a car accident.