Rental Car Insurance

The decision on whether you need car rental insurance should be made long before you will be about to sign the rental agreement. We offer you to find out ahead what car rental insurance options are offered by the car rental company, and decide whether you need this coverage or whether you're already protected by your personal policies and credit card company safeguards.

Let's start with your collision insurance coverage in your personal car insurance policy. It is likely to cover damage you cause to any car you're driving including a rental car. However, many auto insurance policies say that your own collision insurance is "excess" to any other coverage.

Your comprehensive coverage is likely to apply to any rental car you drive and cover theft, fire, vandalism, or animal collisions. Keep in mind, though, that in many cases your comprehensive insurance is subject to dollar limits that reflect your car value. Therefore, if you're renting a $25,000 car and your own car is only insured for $5,000, you should seriously consider purchasing additional coverage for your rental car.