Rental Car Insurance – Yes, No or Sometimes?

25 Nov

Rental Car Insurance – Yes, No or Sometimes?

Rental car insurance is a hotly debated topic that’s always controversial.

Some people swear by the idea of signing up for the extra insurance when renting a vehicle, and another camp swears it’s all a huge mistake. Who’s right? Let’s consider both sides of the argument.

Determine Your Need Rental Car Insurance

The only way to decide if you should opt-out is if you’re confident your auto insurance policy already provides the coverage. If they do, it’s redundant and wasteful to pay more for insurance at the car rental agency.

However, many policies don’t automatically extend this benefit, so be sure to confirm eligibility before saying no.

Generally, people with comprehensive and collision insurance coverage can skip picking up optional rental car insurance. If you have an older vehicle and don’t carry extra coverage, you may want to pick up the optional insurance policy offered by the car rental agency.

Do You Need Supplemental Liability Insurance?

Supplemental liability insurance is generally worth passing on because most states already require drivers to carry insurance coverage. If your current policy limits fulfill the legal requirements in your locality, you most likely won’t need to purchase more coverage from the car rental agency.

How Is Your Health Insurance Coverage?

In some cases, your health insurance policy might provide medical expense coverage in the event of getting involved in a vehicular accident when behind the wheel of a rental car. Some policies may cover your costs, as well as anyone else injured in the crash.

Your Credit Card May Also Include Coverage

Some credit cards provide accident insurance as one of their ancillary benefits. Check your accounts to see if you are eligible and check the card issuer’s website to learn more about their offer, if applicable.

This type of coverage has specific limits, so be aware of them if you use this instead of supplemental insurance. After doing sufficient research, you may find that one method of insurance rental cars is significantly less expensive than others.

It’s worth doing a cost analysis before renting the vehicle. In many cases, you are not required to purchase the extra insurance because you already have coverage in place. It takes just a few minutes to review your various policies to check for existing coverage.

The Verdict

So, the debate ends with no controversy. If you don’t have coverage for rental cars, it’s foolish to take a risk and not buy the temporary policy. In the event something unfortunate happens, it’s always better to be safe than sorry.

If you already have coverage, skip paying at the rental counter and spend the money on something more enjoyable.

When involved in an accident in Southern San Francisco, Peninsula Auto Body is standing by to help with professional and prompt towing, repair, and automotive bodywork. For more information about our comprehensive automotive repair services, visit us at 1430 San Mateo Ave., S. San Francisco, CA, or call 650.588.0999 directly from 7:30 AM – 5:30 PM Monday through Friday.

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