Car Accidents in Rental Cars: Is It Worth Buying the Optional Insurance Coverage When You Rent a Car?

When you rent a car, it is likely that the company you rent the automobile from can attempt to persuade you to add extra insurance. However, you could previously be included in your personal insurance policy by the credit card you're using to pay for the rental. Having said that, there are several reasons to get this extra coverage. Keep reading this to learn why and contact Fair Cases Law Group at 833-324-7111 when you yourself have been injured in a car accident involving a rental car.

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Car Accidents in Rental Cars: Is It Worth Buying the Optional Insurance Coverage When You Rent a Car?

When you rent a car, it is likely that the company you rent the automobile from can attempt to persuade you to add extra insurance. However, you could previously be included in your personal insurance policy by the credit card you're using to pay for the rental. Having said that, there are several reasons to get this extra coverage. Keep reading this to learn why and contact Fair Cases Law Group at 833-324-7111 when you yourself have been injured in a car accident involving a rental car.

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One of These Three Sources of Insurance Might Cover Damage in a Rental Car

You can find three forms of insurance that will probably cover you. First is your personal car insurance. Check your policy to see what it covers when you are in a rental car. Second, the charge card you used to pay for the rental likely offers extra rental insurance, as this is a standard perk. Ultimately, your next option is the extra rental coverage you acquire from the rental car company. If you decide on add-on coverage or coverage from the rental company, it will probably cover:

  • Collision damage including damage to the rental car and it being stolen.
  • Liability if you’re sued because of your use of the rental car. That limit is generally $1 million.
  • Personal accident insurance covers medical costs.
  • Personal effects coverage covers your own personal items in the vehicle such as for example luggage and electronics.

Determine What Coverage You Have Before You Decide if You Need Additional Coverage

Of course, you want to be secured if you're in a car accident, hit a pedestrian, or otherwise your self or others, or trigger property damage in an accident. However, you might have coverage through your auto insurance, your accidents may be included in your quality of life insurance, and your tenants or homeowners insurance might even present some coverage for house damage.

If you do not have auto insurance at all (for example, if you do not presently possess a car), then you should obtain the optional insurance from the rental car company. In reality, they could need you to do so to be able to rent a vehicle from them.

Coverage from Your Credit Card Company

Most of the significant bank cards can have insurance that has come into play following your personal auto insurance policy has paid what it is going to pay. In some cases, this credit card coverage can reimburse you for approximately $1,000 of your deductible. It generally only covers property damage, towing fees, and loss of use. Bank card coverage generally doesn't cover medical fees and other forms of liability.

Before deciding if you should get the additional coverage, speak to your insurance company. When you have recently been associated with an accident in a rental car (or with somebody who was simply driving), contact Fair Cases Law Group at 833-324-7111 by mobile phone and get a free legal consultation.

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