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The Truth about Rental Car Policies

Every driver will likely run into a time in their lives when they need to secure a rental car for some reason. Sometimes drivers need to secure a rental car because their automobiles have been damaged in an accident, sometimes their cars need to be regularly serviced, or you may just need to rent a bigger car for your family vacation. No matter what the situation is, you need to understand the rules associated with renting a car and having insurance on it. You don't want to get caught in a bad situation where you or your teen student driver get into an accident and do not have the coverage that you need to take care of the damages.

If you decide that you want to rent a car, then you will be presented with the option of getting insurance on it from the car rental company. Before you do this, you should take a look at your own insurance policy to see if you have any kind of coverage for a rental vehicle. You don't want to secure extra coverage if you can help it, and you do want to make sure that you have the coverage that you need in case an accident occurs.

Consider Your Own Insurance Policy

When you are considering insurance for a rental car, you need to look into your own insurance policy. Although it is not always the case, there may be some instances in which your regular car insurance will cover you if you have to secure a rental car. Usually, this is only the case if your car has been damaged due to an accident and you have secured rental car coverage underneath your policy. You might also be eligible under this kind of coverage to get insurance on a rental car if your vehicle needs to be service. However, you will want to check to make certain before you make a decision about rental car insurance.

If you want to get insurance on a rental car for a family vacation, then your regular car insurance is not likely to cover this kind of expense. You can, however, ask your insurer if there is some kind of coverage that you can purchase that will cover this. Most likely, though, you will not be able to secure coverage for a rental car that you are just going to use for a vacation trip.

Checking Car Rental Options

If you don't have your own coverage for a rental car, then you will need to secure something from the rental car company. Don't make the mistake of thinking that your policy will cover these damages if you get into an accident. Before you sign the papers on your rental car, make sure that you check out all of the options for insurance coverage. You can get a little bit of coverage for your rental car or you can get a larger amount. Just think about what your needs are likely to be before you actually end up choosing what kind of insurance coverage you want.

Although getting car insurance coverage for a rental car is going to add some expense to your overall total, it's something that you can do to give yourself some peace of mind when you learn the truth about rental car policies. If you don't secure rental car coverage, then you may have to pay for damages to the vehicle out of your own pocket. This could end up costing you thousands of dollars and could end up having really negative effects on your financial situation.


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