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4. Estate Preservation
5. Business Continuation
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Do you need optional insurance when you’re renting a car? (April 2008)
You’re standing at the car rental counter waiting to start your vacation when you’re asked a tricky question. Do you want to
buy damage waivers, also known as car rental insurance? How will you answer?
“Knowing if you need to buy rental insurance can save you money and give you peace of mind,” says Rick Crawley with
Progressive. “Optional insurance could nearly double the cost of the rental. Do your homework and know before you go.”
Here are some pointers:
 | Review your policy with your independent insurance agent. Your agent can evaluate your personal car insurance policy | |
| to find out if you are covered in a vacation rental car. | ||
| Check with your credit card company. Some credit cards provide coverage at no charge if you use their card to pay for | |
| the rental. However, some restrictions may apply. Be sure to ask for an exact description of what’s covered. | ||
| Take your insurance policy “Declarations Page” with you to the rental counter. You may be asked a question that these | |
| papers can answer. If you’re not sure of an answer, you’ll have your agent’s name and phone number readily available. |
“Generally, if you have comprehensive, collision and liability coverages on your personal car insurance policy, there’s a good
chance you’ll be covered in a rental car,” says Crawley. “Check with your agent to be sure. If you are covered, you would be
liable only for the deductible on comprehensive and collision coverages, just like your personal vehicle.”
The Professional Insurance Advisors here at The Insurance Suite, can assist you in finding the most appropriate product that
fits you budget today. Call us Today for a FREE Quote or get started by following the link below.
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