If you are wondering about “Does Car Insurance Cover Rental Cars” then no worries. For rental cars, most rental companies provide insurance policies that offer coverage.
This depends on the rental car company and the specific policy. However, on your car insurance if you have comprehensive collision coverage, then you may also have coverage for rental cars.
Thus, you may know that rental car coverage has certain eliminations and limits. If you are renting high-performance or luxury vehicles then your policy may not cover insurance coverage.
Thus, it’s a very good idea to check your insurance provider while renting a car. This is because you can know what coverage you have for rental cars.
If you have sufficient coverage then you can purchase additional insurance from a rental car company. This insurance coverage covers accidents or damages.
Thus, keep reading the guide. We have mentioned 10 tips that you have to keep in mind while recognizing car insurance coverage for rental cars.
1. Check your policy:
It’s very much important to review your policy to see if it includes coverage for rental cars. Also, you can check with your insurance provider to know the terms and conditions of your coverage. If you have any doubts then contact your insurance provider as soon as possible.
2. Consider your coverage limits:
Ensure that you know the limits of coverage provided if your policy includes rental car coverage. It’s very much important to understand how much coverage you have for collision, comprehensive coverage, and liability. If your insurance policy doesn’t have the coverage limit then you have to buy additional coverage.
3. Decide if you need additional coverage:
Before purchasing rental car insurance you must check your auto insurance. If you have already covered then don’t purchase it. But in case you’re not comfortable with the amount of coverage then purchase additional coverage from the rental car company.
4. Know your deductibles:
If your policy includes a deductible, before your insurance coverage kicks in you’ll be responsible for paying it. Ensure that you know how it applies to rental cars and what your assumption is. For rental cars, many insurance policies include coverage. Remember that the number of deductibles and coverage may vary.
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5. Check for exclusions:
For certain types of rental cars, some car insurance policies may ignore coverage. This includes driving in a foreign country and many others. So, before renting a car from a rental company you must check for exclusions. If have any then don’t book your car from such companies.
6. Consider rental car insurance:
Rental car companies can be costly but it offers their insurance coverage. In case of an accident, it can provide peace of mind and protect you from financial liability. Many rental companies offer their insurance policies. Thus, you need to determine whether it’s worth the extra cost.
7. Use a credit card with rental car insurance:
You must have a credit card for payment. This is because some credit cards offer rental car insurance as a benefit. Thus, to see if this is an option for you then check with your credit card company. By doing so you will come to know about any pre-authorization holds or other charges.
8. Read the rental car agreement:
Before making any deal with the rental company, you must read the rental agreement carefully. This you can do to know their terms and conditions. However, the agreement includes the age requirements and any extra fees or charges. For more information, you can take a review from other people.
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9. Drive safely:
You must follow all the traffic rules while driving the rental car. Ensure that when you are driving the rental car, your insurance coverage applies. If you are drunk then avoid driving. Also, avoid speeding and other reckless behavior. If you do so then it could put you and others in danger. So, to keep yourself safe and others please drive safely.
10. Report any accidents promptly:
While driving a rental car, if you met with an accident then inform it immediately to the rental car company. Also, you can inform your insurance provider as early as possible. Once you inform them they will give you instructions on what to do next. So that every people can be safe who is involved in the accident.
Conclusion
These all are the points that help you know “Does Car Insurance Cover Rental Cars”. If you have your insurance policy then you don’t have to purchase from rental companies. Moreover, to clear any doubts you need to visit our “Contact Us” page. Here, a supportive team is available for help 24*7.
FAQs
Can I use my car insurance for a rental in Puerto Rico?
Yes, you can use your car insurance for a rental in Puerto Rico. This is because Puerto Rico is a non-incorporated district of the US.
What is the number for Geico?
The number for Geico is (800) 207-7847
