HOW DOES CAR INSURANCE WORK WITH RENTED CARS

ByFeroz Ali
3-55c6898b

You would think that renting a car would be pretty simple. Maybe it is, but the topic of insuring a rental car is actually pretty confusing. Some people may be able to rent car chisinau  choose from a variety of options, but are not clear exactly what option covers which type of hazard. Others may have a very simple decision to make, but they may not even know it.

Insuring A Rental Car

The two main concerns you will have are these:

  • Damages to the car you rent, yourself, and your passengers
  • Damages to other people, cars or property

You probably have questions about your coverage options. These include your own car’s policy, waivers you can purchase at the rental counter, non-owner policies, and credit card benefits.

Do you already own a car with full coverage? If so, your coverage is probably already handled. Just call your agent or company to be sure that your policy covers rented vehicle. In many cases, the answer will be yes. If so, your rented car will be covered the same way that our own car is covered.

Be aware that your policy deductible will still apply though. If you wreck the rented car, you will be responsible for that out of pocket cost just like you would be if you wrecked your own car. You may, or may not, decide to extend that coverage with the type of waiver you can purchase at the car rental company.

What is the rental car company policy or waiver for? Most of the time, the agent at the car rental counter will attempt to sell you an additional waiver. The basic plan usually covers damage to your rental vehicle. If you only carry liability insurance on your own car, this can provide you with additional protection in cased the rented car gets damaged. If you do not purchase this extra coverage, and you do only have liability insurance on your own car, you will still be liable for damages.

What if you want to rent a car, but you do not own a car, and do not have auto insurance? This can be a stickier problem. You still need liability insurance to be a legal driver in every US state Beyond that, you are still responsible for damages to the rented vehicle.

Some rental companies may sell an additional liability waiver. If you frequently rent, a non-owner car insurance policy may be sensible.

What about rental insurance from credit card companies? You must be sure you know what these benefits really cover. In most cases, this coverage is similar to the basic rental company waiver. It may only cover damaged to the rented car, and it does not cover liability.

If you already have full coverage on your own car, and it extends to rented vehicles, your choices are pretty simple. If you do not own a car, making sure you are covered is a little more complicated. It is your responsibility to be sure you are covered and financially responsible for a rented vehicle.

Some Tips for Renting Cars

There can be lot of different reasons for renting a car. It can be any special occasion like wedding, function, business trip, or it can be a vacation holidays. Renting a car at another place can be very exciting and adventurous rather than to rely on public transport because, you have freedom to go at some of those exciting place which you might miss by using public transport. But before getting car for rent few of things should be kept in mind rather than getting in any of the problem later. And here are few of the tips which can be used while renting car.

  1. There’s lot of option are available in car nowadays, from different models to different size of cars. So, it’s advisable to know in advance that what kind of car you are willing to hire rather than ending up by getting wrong car. If there are 2 people travelling small sized car is a good option, and if someone is travelling with family than some what bigger size of car is good.
  2. As per the rule of renting cars 25 is the minimum age for renting a car. And if the person who is renting a car is under 25 than that person might have to pay some extra fees as compared to that regular fees. But, at some of the place it’s accepted if the person is under 25. So, it’s better to check it that what the rule of that place is.

Whether any other person

  1. It’s better to ask it that whether any other person of your group can drive the car you rent or not. Because, generally the person who is signing the document is the only person who is liable to drive the car. So, it’s better first to get to know that can any other person can drive it or not because, if any problem happen later like any accident occur than the person who is driving is liable for it. And if the person who is driving is not the one liable for driving car as per rental agencies than it can create problem.
  2. It’s better to check all the necessary documents before renting rent car chisinau a car. If you are at foreign country than they will ask for the international driving license and a photo identity proof like your passport. So, it’s better to keep all this things handy. And the rental agencies will check all this to know that whether the person is legal to drive the car or not.
  3. Before signing the agreement do make the routine service of your car like, to check the air in tyres, clean and everything like, to get to know where the extra tyre and all is available.

0