When you're renting a car or truck, one thing you might be considering is insurance. Insurance is required for owning a vehicle in America, which makes many drivers around Doylestown, Boyertown, and Langhorne, Pennsylvania, wonder if rental cars come with insurance?
Autorent is happy to help drivers answer that question and discuss the different types of rental car insurance below. We've also included some considerations for when you might want rental car insurance.
You don't need a personal auto policy to rent a vehicle. Generally, when you rent a car, there are minimal coverage policies that rental agencies offer. You'll also have the option to add on additional coverages through a third party or the rental agency.
Some major credit cards offer rental insurance if you use their credit card to rent the vehicle. Be sure to check coverage with your credit card company.
If you do have your own auto insurance policy, it'll often extend to cover a rental vehicle as well. You'll still have to file a claim if something happens. Speak to your automotive insurance company to confirm rental coverage.
There are four main types of rental car insurance:
Collision Damage Waivers, also known as Loss Damage Waivers, cover repairs if you damage your rental car.
Rental Car Liability Insurance covers damage to other vehicles, property, or people. It doesn't cover yourself, your passengers, or your vehicle.
Personal Accident Insurance covers medical costs for any injuries from those in your vehicle sustained during an accident.
Personal Effects Coverage is how it sounds. It covers personal items, like clothing or luggage, stolen from your rental.
You can purchase one of these coverages, or all of them, for your rental car. It depends on your personal needs.
Everyone needs a rental vehicle for different reasons. Some people need a truck or a van to move, while others are looking to take a fun road trip. What you need your rental car for may impact the coverage you select.
For example, if you don't have a personal auto insurance policy, you may need to purchase insurance from the rental company. If your personal insurance has a high deductible, it may be more cost-effective to use the rental company's insurance.
If you're unsure which coverage would be best for your specific situation, talk to our team. We can recommend the kind of coverage that's best for your rental.
Now that you know a bit more about rental cars and insurance, are you ready to plan for your rental car needs? Our team at Autorent is happy to go over what rental coverage may be best for you, while you select the rental model that works for you. We encourage drivers around Doylestown, Boyertown, and Langhorne, PA, to contact our team with any questions, and schedule a rental. Contact us online or by phone today.
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