subject: Car Rental Insurance-does Anyone Really Need It? [print this page] Do you need car rental insurance? This is a question that many people pose very simple because the car rental agents usually make it seem like you're committing a crime when you decline it making you sign a waiver for it. You may be hesitant to decline it and you may even agree to it because you think that somehow it will provide you with extra coverage just in case. Be clear, rental vehicle insurance does not provide you with additional benefits above and beyond what your car insurance and credit card will pay.
To be on the safe side you should always contact your car insurance company. Let them know that you are considering renting a car and for what period of time and where in the world. Then let them tell you if you have coverage and what exactly will be covered. If you still feel that you require additional coverage, most car insurance companies offer an option of additional insurance for car rental and generally this coverage will cost far less than what the car rental agency is offering .
After checking with your auto insurance company, then get in contact with your credit card companies to see what coverage they will provide you with a rental car. Some credit companies will cover you for a higher rate, therefore it is a good idea to check with several before deciding which card to make your reservation with.
With the combination of your car insurance company and your credit card company you ought to have enough coverage to take care of any and all problems that might arise. Do not be strong handled into paying the rental agent directly for additional insurance. Even though they might make it seem like an item you must have, it typically ends up serving them in the form of extra income for the rental. Bear in mind that their motivation to sell you this insurance isn't for your protection but for their profits.
Car rental agents are encouraged to talk you into this insurance and usually take a larger commission if they do. So they will be extremely motivated to do all that they can to convince you to take it but if you go to the agency armed with the information that you need about rental vehicle insurance you should have no problem being comfortable with signing that waiver and getting on your way.
by: Jason Hall
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