People are always in dilemma about having rental car insurance. Most of the times people don’t buy rental car insurance coverage if they own one regular auto insurance. Because they think the regular auto insurance will be enough for a rental car, which, in many cases is not true. Most of the times people are confused about the question “Do you need rental car insurance? “. However, the answer is it depends. You may need to have rental car insurance coverage even if you don’t own a car, depending on the laws in the state where you derive .There are certain variable you should consider about before buying rental car insurance coverage. Let’s have a look at those variables.
First, get familiar with your existing car insurance. Find out how much coverage does it provide and what does it say about rental cars. What are the main conditions? You can call your agent for a more under stable approach.
Since, there are so many types car insurances out there you should do a throughout research to reach any conclusion about your rental car insurance. There are, liability coverage, collision coverage, and comprehensive coverage. These different types of coverages have different types of condition and the effectiveness of these coverages changes with the types of accident. So, it’s very important to identify which coverage may provide rental car insurance. There are also coverages with high and low deductibles.
If your regular auto insurance doesn’t cover the rental car insurance then you must look for auto insurances that cover rental car insurance as well or you can go for only rental car insurance too. If you are travelling with a person who doesn’t have auto insurance then you should consider buying a rental car insurance coverage for him. You should not neglect rental car insurance and its importance.
