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Do you have enough car insurance?
By Jeff Lakie
Many people who reserve a rental car show up to the counter with
little thought given to the ¡°what if's¡± that could result from them driving
a car that is not their own. You wouldn't think of driving your own car
without coverage, so take a few moments to consider how you will
make sure that your rental car is covered. Here are 3 steps to take to
ensure you have adequate coverage.
1. When you're calling the rental car company for a quote, find
out how much the coverage costs and what it covers. Their
rates for insurance/coverage may be higher but they also offer
the least hassle, since you may not have to file a claim on your
own insurance. Many car rental companies have a couple of
options, including buying down the deductible to a hundred
dollars (or so, depending on where you live) or even to zero.
2. Contact your car insurance company. They may already cover
you for rental cars in certain situations. For example, if your
car is in the shop, they may automatically transfer your
coverage and deductible to a rental car. This is a replacement-
only type of coverage because they are covering you on a
different car. For an additional cost, you may be able to
purchase either a temporary or ongoing rider (depending on
the insurance company) to cover your rental car even if your
car is not in the shop. This is considered a non-replacement-
type of coverage since you will need coverage on both cars
because they potentially could both be driven.
3. Contact your credit card company or check out the
Cardholder's Agreement. Your credit card may cover you for
rental car insurance. Check to see that they cover you in your
specific situation. For example, there are certain cars they
cover (some don't cover trucks or SUVs) or they may not
cover you depending on where you drive or how long you
have the car.
Armed with this knowledge, you can make an educated estimate of
what the costs are to ensure that you are fully covered on your rental
car. After all, you want to have peace-of-mind when you're on your
next trip.
About the Author
Jeff Lakie is the founder of Insurance Information a website providing information on Insurance
Article Source: http://www.simplysearch4it.com/article/13449.html
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