Car Rental Insurance: Do You Really Need it?
Before you check off on full rental car insurance, be sure to know what you may, or may not need.
The truth about rental insurance is that in almost every case, your personal insurance coverage extends to rental in most situations. Meaning, that if your car insurance has liability, comprehensive, it probably extends to your rental car as well. Know which insurance coverage you already have before you get a rental car insurance and are paying twice as much during the vacation you thought would be a relaxing one.
Supplemental Liability
You might not need it if: Your auto insurance already has it with comprehensive and collision coverage.
What it does: This coverage provides you protection should the car be damaged or stolen.
Personal effects coverage
You might not need it if: You have purchased a homeowners or renters insurance policy.
What it does: Provides coverage for your personal items that were damaged or destroyed while in the car.
Supplemental Instability
You might not need it if: Your liability coverage adequately protects you for the damages that you may have caused while driving the rental. Additional liability coverage acts like an umbrella policy, protecting you above and beyond what your auto insurance provides.
What it does: Provides additional liability coverage in case you are at fault for an accident and the party files a claim against you that exceed your policy limits.
Our agents here at Remland Insurance are standing by waiting to help you assess what to do in case an accident occurs while you’re driving a rental car, and would also be happy to assess your current auto insurance coverage. Please give Remland Insurance a call today with any further questions at 714) 532-3341.
