Traveling With A Rental Car: What Does Your Insurance Say?

koda octavia superEvery time I have to rent a car, the rental car company always asks me if I want insurance. I always answer no right away. The truth is, I do not want their sales pitch. I think car rental companies just offer insurance as a means to make extra money. And, I already have insurance, so why would I need theirs?

However, what if I am wrong and something were to happen when I was driving their rental car? The good thing to do is ask your insurance company before you rent a car. This way you do not end up paying for more insurance than you need.

There is a reason why insurance is an optional feature when you rent a car. This reason is not because the car rental companies are greedy and looking for something else to sell us like I was suggesting. It has more to do with the type of coverage your current policy has, and usually the policy you have transfers to your rental. For example, if you have liability insurance, you are only covered for the costs of the other person’s vehicle if you are at fault in an accident. If this is the case, you might want to pay extra for car insurance when you rent a car, especially if you are renting a brand new car from them.

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