Finding Out if Full Coverage Insurance Extends to Rental Cars

Renting a car is a routine part of a vacation; however, sometimes confusion can arise when faced with the question of whether or not you need additional insurance on this car. If you have your own full coverage insurance package, the good news is that this might not be necessary, even if you want the utmost in safety and peace of mind while driving on your getaway. If you are familiar with the limitations of your insurance, you may find that it extends to rentals, thus saving you money when you look at the overall cost of your rental vehicle.

Sometimes, this can even be determined while obtaining free instant auto insurance quotes. Knowing your coverage will allow you to know if it covers all cars, or if it is specific to yours. Remember that if you allow additional drivers who are not on your policy to drive, these people may not be covered. Furthermore, if your policy only provides minimum coverage, you might have to figure out if the value of the loss or damage of a newer vehicle, which the rental may be, is something that warrants the purchase of supplemental coverage.

If the instant online quotes do not mention rental cars and you do not think your policy covers them, you still may find coverage from your credit card company. Ask about what requirements are in place for reimbursement. Usually, in order for the credit card company to offer coverage, you have to pay for the rental in full on just one card.

However, if these two options of coverage fail, remember that the rental agency options of insurance are certainly better than no insurance at all. Imagine how devastating it would be to face monumental fines or repair costs after your vacation, which may have been somewhat expensive in the first place. One good option is a collision damage waiver, which means that if the car is damaged in any way, you are not held liable. Or, rental companies are typically required to provide liability coverage in the first place. You can see what those requirements might be in your state, and then determine if they provide you with the comfort and assurance you need.