An Independent Examine Rental Car Insurance

                    Once you step up to the Rental Car Counter the Rental Representative is going to ask you in order to purchase insurance for your rental vehicle. If you say no they'll ask you to initial next to each coverage that you simply decline. The decisions which you make in these few moments may have a dramatic impact on your financial predicament. Deciding if you want to purchase the car insurance offered at the Rental-car counter before you decide to arrive are able to keep you from incurring a serious financial loss or wasting your money on insurance that you simply already have or do not require. One of the questions that people are asked most as auto insurance agents is "Do I must purchase the automobile insurance offered at the car rental counter once i rent a vehicle?" The reply to this question is maybe. You may be able to provide coverage for your rental car using insurance plans you already own or else you may decide you need to purchase additional protection. In this post we are going to supply you with the information that you need to make these crucial decisions. Whenever you Rent A Car There Are Several Approaches to Secure Coverage Because of it Without Having To Purchase Coverage On the Rental Car Counter. Transfer Coverage From the Existing Auto Insurance Policy - If you are going to be hiring a car and you have a preexisting auto insurance policy you ought to take your insurance I.D. card with you when you rent the car. The car rental company may need it and it can save you a lot of time and aggravation if you are pulled over by the police within your rental vehicle. The coverage and deductibles all on your own auto insurance policy will automatically transfer to cars that you simply rent so long as you are not using the rental car for business purposes or renting internationally. You should check the declarations page of the personal automobile insurance policy to find out if you currently carry Property Damage Liability, Collision and comprehensive coverage. Make note of your dwelling Damage Liability limit as well as your Comprehensive and Collision Deductible. If you're renting a car overseas you should definitely consider purchasing coverage on the rental counter because so many personal auto insurance policies only cover their owners in the country where the policy was written. Damages for your rental car will be covered by the Property Damage Liability percentage of your personal automobile insurance policy if you are renting the automobile for pleasure use. However, should you be involved in an accident which is covered by your automobile insurance policy along with your car is incorporated in the shop being repaired. Damages for the replacement car which you rent is going to be covered by the Comprehensive and Collision coverage part of your personal automobile insurance policy. Which means that you will have to pay for the deductible for these coverages if you damage the rental car.