THE WIKI COMMUNITY

Tuesday, 28 September 2010

Personal Insurance Vs. Rental Insurance When You Are Utilizing A Car Hire

By Jason Hall

So many people think that they must take the insurance on a rented vehicle and perhaps this is because the rental agents all make it seem like you are taking your life and well being into your own hands if you don't. Well, the important thing to realize is that they get paid well to sell that insurance and while this insurance is not usually necessary to tack on to your rental expense there are times when you will need the rental insurance.

The first time that the reservation take the time to contact your insurance company vehicle and credit card company and ask them if your rental car will be covered and to what extent. Most insurance companies and credit card companies will cover a rental car and if they do virtually no need to pay more for car rental insurance, it will not be a guarantee beyond that is only those who do not have coverage from another source.

There are some issues that you should be aware of when it comes to protecting yourself and that rental car. If you are traveling internationally, you may not receive coverage from these other sources so it may be a good idea to take the extra rental insurance just in case. Of course if you check with your insurance company in advance and get all the proper documentation this may not be necessary.

Within the United States each state has its own laws and if you are traveling through different states you want to make sure your coverage is valid in every state will be traveling through. Most coverage will take care of the issues no matter where they occur, but check on this beforehand as many rental agencies raise this as a red flag when you collect your vehicle. Failure to report may then panic and take the additional insurance anyway.

It is important to realize that car rental insurance is a way for the agent to make more money and thus they want every customer to pay for the additional insurance. While it may not be a necessary purchase the company may try to convince you that you need this coverage but if you show up armed with knowledge you won't be fooled by this ploy.

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