There are many situations when a person may need to rent a car. When the personal car is on service, waiting to be repaired, a rental car may be really useful. This car must be covered by the one who rents it. Find out more about rental car insurance and get free quotes from http://compare-autoinsurance.org.
Rental car insurance may refer to coverage used for a rental car or the coverage on the personal auto policy which pays for a rental car. In both cases, it covers a car used for a predetermined period.
Insuring a rented car provides the same coverage as any auto insurance for the personal vehicle. The policyholder can be covered for liability, medical and property damage. It all depends on selected coverage options.
It is possible to get coverage from the car rental company. Usually, the car rental company offers the next 4 types of coverage:
- Additional Liability Insurance. Also named Supplemental Liability Insurance. It covers the property damage and bodily injuries caused when driving the rental car. If the driver has good liability coverage limits on his personal policy, this coverage is not a priority.
- Personal Accident Insurance. While liability coverage covers other people’s property damage and injuries in an accident, personal accident coverage includes medical, ambulance and death benefits for the rental car driver and his passengers.
- Collision Damage Waiver. Also known as LDW (Loss Damage Waiver). It is a waiver of responsibility. The policyholder will not be held accountable if he is involved in an accident while driving the rental car. Pay attention to waiver limits and the state’s rules.
- Personal Effects Coverage. It covers belongings stolen from the rental car. Again, this coverage should not be a priority since it is likely to have those belongings covered by homeowners/renters insurance.
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