HI

Doesn’t it seem confusing sometimes just to get yourself a rental car? There seems to be so much paperwork and so many decisions to make.

For example, should you get the collision damage waiver or not? In the event you buy additional insurance coverage from the car rental company?

If you’ve ever watched people at the rental car counter, you understand these are questions that most people struggle with. Sometimes it is possible to decline additional insurance on car rentals, but there are particular instances that you should always choose the insurance. But how will you know?

One of the biggest regions of confusion is the Collision Damage Waiver (CDW) offered by the car rental company at the time of rental. It covers damage to the rental car should you be involved in an accident.

The CDW isn’t exactly insurance, also it only covers only harm to the rental car. It doesn’t cover property damage or accidental injury. If CDW is purchased, the car rental company waives some or all of its right to gain from you for physical damages to the automobile.

So should you purchase the CDW the car rental agency pushes at you? Experts say that a lot of people don’t need it but purchase it anyway. This is the very costly mistake!

You can save yourself a lot of hassle and unnecessary cost by doing three things. First, check your personal car insurance to see what coverage carries over to rental cars. Second, see if the charge card you’re using offers any coverage for renting. And finally, check the options the automobile rental agency offers in its policies.

Many auto insurance policies include all-inclusive and collision coverage to damages to rental cars. There is absolutely no sense paying for more if your policy includes this coverage, right? Just verify luxury car rental miami with your insurance agent before you decline the car rental company’s additional insurance options.

Typical car insurance policies provide liability coverage that extends to car rentals. If you injure someone in an accident while driving a rental car, your policy will most likely cover you. If your car insurance policy does not provide these coverages while you are driving car rentals, make sure to purchase additional insurance from the automobile rental company to protect yourself.

In addition, many bank cards offer coverage for rental cars. If your credit card includes coverage for car rentals which were damaged in an accident, you don’t have to buy any other additional insurance coverage the car rental company offers you.

Finally, read the car rental policy carefully and decide whether or not your car insurance or credit card covers you. Then discuss the car rental’s coverage with the agent. Always make an informed decision. Don’t give into pressure by the car rental agent.

Deciding whether or not to cover additional insurance coverage the automobile rental companies offer could be a tough decision. Consult with your credit cards and existing car insurance policy to see if they provide rental car provisions, and when they don’t, you’d better consider spending the extra money for additional insurance on your own protection.