For those who’ve rented a automotive, you’ve in all probability been warned by salespeople on the counter concerning the potential penalties of strolling away with out shopping for their firm’s rental automotive insurance coverage. Placed on the spot, you won’t really feel assured about precisely what protection you have already got. And that’s what rental corporations are relying on — together with their commissions for promoting you the protection.
Notice that rental automotive insurance coverage is not the identical as rental automotive reimbursement protection, a typical auto coverage possibility that covers the price of a automotive rental in case your car is being repaired as a part of a declare.
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The knowledge beneath will assist you to perceive whether or not you want rental automotive insurance coverage and easy methods to get it earlier than you arrive on the rental counter.
The underside line: Do you want rental automotive insurance coverage?
It’s possible you’ll not want to purchase the rental automotive firm’s insurance coverage if:
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You’re touring inside the U.S. or Canada and your personal auto coverage gives adequate protection.
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Your bank card affords rental automotive insurance coverage.
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You’ve purchased standalone protection via a separate firm.
It’s possible you’ll need to purchase the rental automotive firm’s insurance coverage if:
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You’re fearful about having to pay a deductible or a better charge in your auto insurance coverage should you harm a rental automotive.
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You don’t have your personal automotive insurance coverage or protection via a bank card.
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You’re touring abroad the place your private auto coverage received’t cowl you.