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RENTAL CAR INSURANCE
- Oct 21, 2021
- 2 min read
I’m renting a car, do I need to purchase the extra insurance they offer at the counter?
We hear this questions a lot. In fact, we are writing this post because we just heard it again this morning from a caller.
The first thing you should do is to check your current personal car insurance policy to see if it covers rental cars. Even if it does cover rental cars, please be mindful of the amount of coverage it offers because you may want to purchase a higher liability and collision coverage than what your personal policy has (or you possibly may not even have it so in this case you should buy the extra rental car insurance offered at the counter).
At the rental car counter the agent will ask you if you want to buy extra car insurance. If you say “yes” they will then ask you to select what you want to purchase. Here you will see the following:
1. Liability Coverage: This pays for damages you cause to another person (medical bills, bodily injury, etc…) if you are at fault for causing the accident.
2. Comprehensive Coverage: This pays to fix your rental car if it's damaged (wind, fire, theft, natural disasters, etc….).
3. Collision Coverage: This pays to repair your car if it’s damaged when you hit another car or anything else that can damage it.
This is a long subject matter that we can talk about forever but also remember that you will be asked if there will be any other additional drivers. Make sure to list others if you are not going to be the only driver. We had a case once where the at fault driver in a rental car was not a listed driver on the rental policy. Thank goodness that our client had Uninsured Motorist (UM) coverage on their personal policy.
Like we said, we can talk about this subject matter for a long time.
Please call us if you have any questions…preferably before you rent a car.
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Great post on rental car insurance! It’s a total headache to figure out what you actually need at the counter. I usually just skip the extra coverage to save cash. It’s funny, navigating those fine-print policy details is almost as confusing as looking up random health issues like geschlechtskrankheiten symptome online. Always read the contract before signing, though. Keeps the trip stress-free! Definitely a must-read for anyone hitting the road soon. Cheers for the tips!
Rental car insurance is one of those things you usually don't think about until you're standing at the counter in a hurry. Basically, it’s there to cover damage or theft while you have the keys. Before buying the rental company’s pricey add-ons, check if your own policy or credit card already provides some level of protection. It’s often better to look into Personalized Insurance packages that fit your specific travel habits. This approach to Personalized Insurance can save you significant cash on those daily fees. Always confirm what’s covered before you hit the road so you can drive stress-free!
Checking your rental car insurance options is a total must before hitting the road. Honestly, relying on the rental counter’s pricey daily waivers is a rookie mistake. I’ve found that the best way to save is looking into bundled insurance packages canada offers. Often, your existing auto or home policy can cover rentals, saving you a fortune. Just make sure to double-check your "Loss of Use" coverage so you aren't stuck with fees while the car is in the shop. It’s all about being smart and pre-planned. Stay covered, save your cash, and enjoy the drive without the extra stress!