Doesn’t it seem confusing sometimes just to obtain a rental car? There appears to be so much paperwork and so many decisions to make.
As an example, should you get the collision damage waiver or not? Should you get additional insurance coverage from the vehicle rental company?
If you’ve ever watched people at the rental car counter, you realize these are questions that many people struggle with. Sometimes you are able to decline additional insurance on car rentals, but there are specific instances that you need to always purchase the insurance. But how are you aware?
One of the biggest aspects of confusion is the Collision Damage Waiver (CDW) made available from the vehicle rental company during the time of rental. It covers injury to the rental car if you’re involved in an accident.
The CDW isn’t exactly insurance, and it only covers only injury to the rental car. It doesn’t cover property damage or personal injury. If CDW is purchased, the vehicle rental company waives some or every one of its right to achieve from you for physical damages to the car.
So should you purchase the CDW the vehicle rental agency pushes at you? Experts say that many people don’t require it but purchase it anyway car rental in kelambakkam. This is a too costly mistake!
You are able to save yourself a lot of hassle and unnecessary cost by doing three things. First, check your personal car insurance coverage to see what coverage carries to rental cars. Second, see if the credit card you are using offers any coverage for renting. And finally, check the options the vehicle rental agency offers in a unique policies.
Many car insurance policies include all-inclusive and collision coverage to damages to rental cars. There’s no sense spending money on more if your policy includes this coverage, right? Just verify the details together with your insurance agent when you decline the vehicle rental company’s additional insurance options.
Typical car insurance policies provide liability coverage that reaches car rentals. If you injure someone in an incident while driving a rental car, your policy will often cover you. If your vehicle insurance coverage does not provide these coverages if you are driving car rentals, be sure to purchase additional insurance from the vehicle rental company to guard yourself.
Furthermore, many charge cards offer coverage for rental cars. If your credit card includes coverage for car rentals which were damaged in an incident, you don’t need to buy every other additional insurance coverage the vehicle rental company offers you.
Finally, read the vehicle rental policy carefully and decide whether or not your vehicle insurance or credit card covers you. Then discuss the vehicle rental’s coverage with the agent. Always make the best decision. Don’t give into pressure by the vehicle rental agent.
Deciding whether or not to cover additional insurance coverage the vehicle rental companies offer can be quite a tough decision. Check together with your charge cards and existing car insurance coverage to see if they supply rental car provisions, and if they don’t really, you’d better consider spending the additional money for extra insurance for your own personel protection.