Car Rental Information That Can Save Your Day

Accidents seem to have a way of happening unplanned

, even on vacations. If you are renting a vehicle for an upcoming vacation, you might want to examine a little closer, the necessity of rental insurance, because there are legitimate reasons why this is very important. Knowing what is covered and why should be covered will not leaving you holding the bills due bag just in case.

Most car rental companies offer optional loss damage waivers and loss collision waivers. These are just like the collision and comprehensive coverage the customer has on their personal vehicle. If the vehicle is stolen or damaged, regardless of fault, the repairs to the vehicle are covered. If the vehicle renter chooses not to purchase these waivers and does not have coverage on their own vehicle, they will be responsible for the out of pocket costs relating to any damage. Even if the accident is not their fault, if the other driver did not have insurance, the renter may still be held responsible for covering the repairs to the rental vehicle.

While it is important to understand how important it is to have the right amount of coverage, the rental company will usually have additional liability insurance that can be purchased. If the driver of the rental vehicle is at fault in any way, this coverage will not only cover the driver and the vehicle, but will also cover the other vehicle if they are not at fault and cover any property and bodily injuries that could require medical treatments. All these variables can be really expensive. These additional coverage's make the renter covered up to one million dollars and well protected. This is also important to understand how well your personal vehicle policy will protect any rental damage or unexpected events.

Other insurance related things that many car rental agencies might offer include personal insurance for accidental death and cover any medical expenses that might be incurred during the term of the rental agreement related to the vehicle. This will not only cover the driver, but the passengers as well should there be an accident and death or injuries occur due to any accidents. Personal property can also be covered by other policy options should something personal get stolen or damaged. It is especially important to think ahead just in case.

Before you add additional coverage to any rental policy, you should first know what your personal policy covers and then decide if additional coverage is warranted for a rental vehicle. Many rental companies have a mandatory policy that will cover your rental if you have no vehicle policy of your own or don't have enough coverage in the policy. You might also be able to supplement your policy to make it adequate enough to satisfy the rental agency. This is especially true if your policy doesn't have collision, comprehensive or liability. Knowing this will certainly give you enough information to make the right decisions and get the coverage you will need to protect, yourself and everyone involved in an accident should this happen when in the rental.

by: Jason Hall

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