Do You Have Enough Car Insurance?
Do you have automobile insurance ?
Many people who reserve a rental automobile show up to the counter with tiny thought given to the “what if’s” that could result from them driving a automobile that is not their own. You wouldn’t think of driving your own automobile without coverage, so take a few moments to think about how you will make sure that your rental automobile is covered. Here are 3 steps to take to ensure you have sufficient coverage.
1. When you’re calling the rental automobile company for a quote, find out how much the coverage costs and what it covers. Their rates for insurance/coverage might be higher but they also offer the least hassle, since you might not have to file a claim on your own insurance. Many automobile rental companies have a couple of options, including buying down the deductible to a hundred dollars (or so, depending on where you live) or even to zero.
2. Contact your automobile insurance company. They might already cover you for rental automobiles in certain situations. For example, if your automobile is in the shop, they might automatically transfer your coverage and deductible to a rental car. This is a replacement-only type of coverage because they are covering you on a different car. For an additional cost, you might be healthy to buy either a temporary or ongoing rider (depending on the insurance company) to cover your rental automobile even if your automobile is not in the shop. This is considered a non-replacement-type of coverage since you will need coverage on both automobiles because they potentially could both be driven.
3. Contact your credit card company or check out the Cardholder’s Agreement. Your credit card might cover you for rental automobile insurance. Check to see that they cover you in your specific situation. For example, there are certain automobiles they cover (some don’t cover trucks or SUVs) or they might not cover you depending on where you drive or how long you have the car.
Armed with this knowledge, you can make an educated estimate of what the costs are to ensure that you are fully covered on your rental car. After all, you want to have peace-of-mind when you’re on your next trip.
By : Jeff Lakie
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