Prior to rent a car, be sure to check whether your personal or business rental car insurance will be sufficient. You can actually use personal auto insurance policy as your rental vehicle insurance if it is rented for pleasure and not for business. If you think that your coverage with rental car insurance is inadequate, you can get additional coverage from the car rental companies.
It is helpful to use vehicle insurance policy as a regular and permanent policy instead of using it for small duration or only when things get worst. When the customers are approaching to rental car counters they will be in a situation whether to accept or decline the agencys coverage and waivers. One who own liability insurance will cover only drivers and passengers but not the rental vehicle. Liability insurance covers the customer in whatever vehicle he drive, as long as driving that particular vehicle is a non-common occurrence or not part of his usual driving schedule.
Make sure that you own some sort of coverage when going to rent a car, particularly traveling from your home town to another area or in an interstate travel. This coverage saves your valid time and money if you met an accident or some mislead incidents. In most of the cases either your personal insurance company or your credit card company may offer some sort of car rental insurance. However if you feel that you inadequate to own a insurance level you can have contact with rental car companies and they at verge to help you.
Loss damage waivers (LDW), another coverage offered by car rental companies which protects you if some one steals or vandalizes the rental car or some other non-collision damages occurs. Some companies also include damage from hitting an animal in LDW coverage. CDW coverage pays for damage to the car if you have a collision with another vehicle.
Customer can choose from four options after considering the facts of opting car rental insurance while renting a car. Collision Damage Waiver (CDW) is the common coverage most of the rental car companies offer. When the rented vehicle damaged by collision, wreckage and theft this coverage relieves you from financial requirement. Another ordinary rental auto insurance coverage presented by rental car companies is the supplemental liability insurance (SLI). This supplements the liability coverage. Personal accident insurance is another rental auto insurance that protects you and your passengers from medical expenses brought about by probable accidents. Finally, most rent a car companies sell personal effects coverage that protects you from losses on your personal items should there be burglary or theft on the rented car.
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