Is It Necessary To Buy Rental Car Insurance Even Though I Have My Car Insurance Policy With Me?
I have a car and have taken Auto insurance for it.
Now my question is if i take a rental car, then my auto insurance policy for my car covers it or i need to take separate insurance for the rental car? When i took the auto insurance policy, they have taken my car details and its present in the insurance card also.
If i need to take insurance for rental car, what type of insurance do i need to take excluding my auto insurance policy coverage that applies to all cars?
Also if i am driving someone else car, will my insurance cover if there is any accident i have made?
Posted by Car Insurance Quotes
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October 18th, 2009 at 9:28 am
When you rent a car, you have to have full coverage on the care that you own (your personal vehicle) and then that will automatically carry over to the rental. If you do not have full coverage you can add it to your existing policy for the amount of time you’ll be renting the car OR just buy the insurance from the rental place. And to answer your other question, no your policy will not cover somebody else’s car just because you’re driving it. Insurance covers vehicles, NOT people, even if you were in an at fault accident, your friend/relative’s insurance would have to cover that loss. Try this site to find the best car insurance
http://car-insurance-quotes-usa.blogspot.com/
Here you can get quotes from different car insurance companies in your area, its the best way to find an affordable car insurance with a reliable company.
October 18th, 2009 at 9:28 am
Wait – are you TELLING me that your auto insurance covers the rental, or asking?
Does it cover if it’s a REPLACEMENT, or just an additional? Does there have to be a certain definition of replacement? Does it cover liability only, or also physical damage?
What you need to do, is ask all these questions of your agent. Policies are written LOTS of different ways, and it could be ANY of them. You need to ask your agent exactly how and when your policy extends to a car you rent, or a car you don’t own, that you drive.
Typically, your policy will NOT cover, on a primary basis (ask your agent to explain), for any vehicle owned by a household member, or regularly furnished for your use, unless it’s listed on your policy.
October 18th, 2009 at 9:28 am
You will have to ask your auto insurance, not all cover rental cars. Also check that you are covered on all cars, not just your own and while you are asking make sure your insurance covers any one else driving your car.
When it comes to insurance it is better to ask up front and find you need to pay more up front than find out you are not covered and pay much more later.
Also check with your credit card, most have car rental insurance when you pay with your credit card.
October 18th, 2009 at 9:28 am
Watch out for being charged for loss of use if you crash the rental car. The time it takes to get fixed times the price it could get for being rented everyday will not be covered by any insurance company. The only way to cover that charge is to buy the rental companies physical damage coverage.
October 18th, 2009 at 9:28 am
Call your auto insurance company and ask them.