This is one of the most common questions I get as an insurance agent. It can be confusing when traveling and a hassle to figure out in the moment.
I want to do my best to help you enjoy your vacation without having to worry about your insurance coverage. It is important to me that you are able to make an informed decision.
Here are some things you can do before you get to the rental car counter:
Call me before your trip
- We can go over your current Auto policy and adjust it to your liking. In many cases, your current deductibles and coverages apply for the duration of your rental agreement.
- Many rental car companies have a $0 deductible, so that might be a reason to choose their additional coverage. However, if you are at fault in an accident while using the rental car, your own liability coverage can help pay for damages.
Questions to ask me
- Do I currently have collision coverage?
- Does my policy extend to rental cars?
- How much liability coverage do I have?
- Am I covered outside of the United States?
- Does my current policy cover fees charged by the rental car company or loss-of-use?
Call your credit card company
- Some travel friendly credit cards offer some sort of coverage when you use their card to book the rental car. This can help you decide which credit card to use in favor of others.
Questions to ask your credit card company
- Do I have primary or secondary rental car coverage?
- Does it cover collisions and theft?
- What is the maximum reimbursement?
- Am I covered for out of country rentals?
Pro tip: You may need additional or separate coverage if you are renting a car in a foreign country.
Pro tip: Make sure to include all drivers on the rental contract because we will only cover drivers who are named on the contract.
Sources:
Credit Cards.com, “Your Guide to Rental Car Insurance”, 2021. https://www.creditcards.com/
Farmers Insurance, “Do I Need Rental Car Insurance?”, 2021. https://www.farmers.com/learn/
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