Every time a consumer rents a car he or she is faced with the question of whether or not to accept the additional insurance offered by the rental car company. Sometimes the daily rate of coverage is as much, if not more, than the rental car fee. Of course, the person behind the counter attempts to make the sale describing all the catastrophic expenses that may incur should one get into an accident without having the additional coverage.
Well, where is the truth in this?
The Big Sunny D Tip is to call your regular auto insurance company and ask if your policy covers damage to any rental cars you are driving (collision)…or covers damage caused to other cars/people while driving the rental (liability). I found that my insurance through AAA does cover me and damages to the other party (if I’m at fault).
Another tip is to call your credit card company to enquire about rental car insurance. I found many cards DO offer rental car insurance that is equal to that offered by a rental car company. The big catch though is to be sure this credit card is used to rent the car and is on file with the rental car company.
However, do your homework on this and actually call YOUR insurance and credit card companies to verify. This homework may save you a lot of money the next time you rent a car.
I found a few great articles to share regarding this topic as well….
“Tips to Avoid Travel Traps” on CNBC
“What rental car insurance do I need?” On Smart Traveler.com
Dig into this before your next trip…it’s worth the time and effort.
-Sunny D
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