There has been on going debates about the importance of taking rental insurance, when you are renting an automobile. Many believe that their own car insurance will cover them while they are driving a rental and other feel that the credit card they use to rent the car offers them protection. Somethings that you should take into consideration is that rental companies only push this rental insurance for two reasons; the first is so that they will make extra money on your rental and the second is so that the rental insurance will protect their car. In the end, their car is all that is important to them.
The following are some of the most common questions that people have about this type of insurance and the answers may surprise you.
Q: DOESNT MY REGULAR CAR INSURANCE POLICY COVER ME WHEN I AM DRIVING A RENTAL CAR?
A: YES....Many insurance companies will still cover you when you are driving in a rental car. However, it is advisable that you contact your insurance company, prior to picking up your rental vehicle, just to make sure that is so. Otherwise you will not be completely confident that you will be covered and may spend money, on rental insurance from the rental company, you could have otherwise saved.
Q: IF I RENT A CAR WITH MY CREDIT CARD, WILL THAT COVER ME FOR DAMAGES THAT MAY OCCUR?
A: Again the answer to this is most likely. Most major credit cards like Visa, American Express, and Master Card do offer you additional insurance protection when you charge your vehicle rental to your credit card. Again this is something that you can easily check into by calling the company in advance.
Q: IF MY CREDIT CARD AND INSURANCE COMPANIES COVER ME FOR RENTAL, DO I STILL NEED TO TAKE OUT CAR RENTAL INSURANCE FROM TEH RENTAL COMPANY?
A: Absolutely not. Many companies will tell you that your insurance wont cover everything or that you are leaving yourself open to liability if you don't take their coverage, however most car rental coverage doesn't even cover you as well as your own. Many times the companies and their representatives will lead you to believe that this coverage is necessary, but in reality it will provide you with no benefit at all if you are already covered, and therefore this will just be unnecessary money that you will be handing over to the car rental agent.
It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.
The following are some of the most common questions that people have about this type of insurance and the answers may surprise you.
Q: DOESNT MY REGULAR CAR INSURANCE POLICY COVER ME WHEN I AM DRIVING A RENTAL CAR?
A: YES....Many insurance companies will still cover you when you are driving in a rental car. However, it is advisable that you contact your insurance company, prior to picking up your rental vehicle, just to make sure that is so. Otherwise you will not be completely confident that you will be covered and may spend money, on rental insurance from the rental company, you could have otherwise saved.
Q: IF I RENT A CAR WITH MY CREDIT CARD, WILL THAT COVER ME FOR DAMAGES THAT MAY OCCUR?
A: Again the answer to this is most likely. Most major credit cards like Visa, American Express, and Master Card do offer you additional insurance protection when you charge your vehicle rental to your credit card. Again this is something that you can easily check into by calling the company in advance.
Q: IF MY CREDIT CARD AND INSURANCE COMPANIES COVER ME FOR RENTAL, DO I STILL NEED TO TAKE OUT CAR RENTAL INSURANCE FROM TEH RENTAL COMPANY?
A: Absolutely not. Many companies will tell you that your insurance wont cover everything or that you are leaving yourself open to liability if you don't take their coverage, however most car rental coverage doesn't even cover you as well as your own. Many times the companies and their representatives will lead you to believe that this coverage is necessary, but in reality it will provide you with no benefit at all if you are already covered, and therefore this will just be unnecessary money that you will be handing over to the car rental agent.
It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.
About the Author:
Jason Hall is an expert in the rental car industry and can provide you with all the advice that you need for a car rental Coolangatta. Before your next Australian vacation look at his articles to ensure you are getting a car hire Coolangatta that is reliable.
0 comments:
Post a Comment