Guide To Rental Car Insurance

Rental car insurance is additional coverage you can buy to protect your rented vehicle from damages or injury that you might cause while driving. Here, we’ll break down what you need to know about rental car insurance and whether you need it.

What Exactly Is Rental Car Insurance?

Rental car insurance protects you when you drive a rental car. Depending on the insurance policy, rental car insurance can cover damage to the rental vehicle, injuries you cause, the injuries you sustain, loss, and theft of personal items.

How To Get Rental Car Insurance

You can get rental car insurance coverage in different ways depending on the policy, but the main goal is to protect you when driving a rental car. Personal Insurance Policy: Your personal car insurance can cover rental cars. Based on your insurance policy, you would be able to get the same collision insurance or comprehensive insurance coverage. Credit Card Companies: Credit card companies can provide coverage for their client’s rental cars if the card is used as a payment method. However, they provide this coverage for short-term rentals as a secondary form of car insurance. Rental Car Companies: Upon checking out your rental car, the company may offer you its own insurance. You can get the coverage separately or with the renting package. If your auto insurance policy doesn’t offer rental insurance, this option is the best option.

When Do You Need Rental Car Insurance?

You need rental car insurance if you find yourself in the following situations:

• Your personal insurance policy doesn’t cover rental cars.
• You don’t own a car and don’t have auto insurance.
• You’re worried about paying a high deductible.
• You’re on a business trip, and your company doesn’t cover you.