Caution: This coverage may become void if you cause an accident while breaking the law. This include

Transfer Coverage From Your Existing Auto Insurance Policy If you are going to be renting a car and you have an existing auto insurance policy you should take your insurance I.D. card with you when you rent the car. The car rental company may require it and it can save you a lot of time and aggravation if you are pulled over by the police in your rental vehicle. The coverage and deductibles on your own auto insurance policy will automatically transfer to cars that you rent as long as you are not using the rental which airlines pay travel agency commission international car for business which airlines pay travel agency commission international purposes or renting in another country. You should check the declarations page of your personal auto insurance policy to find out if you currently carry Property which airlines pay travel agency commission international Damage Liability, Comprehensive and Collision coverage. Make note of your Property Damage Liability limit and your Comprehensive and Collision Deductible. If you are renting a car in another country you should definitely consider purchasing coverage at the rental counter as most personal auto insurance policies only cover their owners in the country where the policy was written.
Damages to your rental car will be covered by the Property Damage Liability portion of your personal auto insurance policy if you are renting the car for pleasure use. However, if you were involved in an accident that is covered by your auto insurance policy and your car is in the shop being repaired. Damages to the replacement car that you rent will be covered by the Comprehensive and Collision which airlines pay travel agency commission international coverage portion of your personal auto insurance which airlines pay travel agency commission international policy. That means that you will have to pay the deductible which airlines pay travel agency commission international for these coverages if you damage the rental car.
Use Coverage Provided By Your Credit Card Most major credit cards advertise rental car insurance as one of the benefits of owning their card. The truth is that the coverage that these cards provide usually only pays after your personal auto insurance which airlines pay travel agency commission international policy limits have been exhausted and only if you used their card to pay for the entire which airlines pay travel agency commission international price of the rental. The level of protection with credit cards seems to change on a daily basis so we recommend calling your credit which airlines pay travel agency commission international card company to determine your exact level of protection for rental cars. When you talk to the credit card representative ask them for information about Liability, Comprehensive and Collision coverage for rental cars. It is best to get this in writing as it is not unheard of to get several different answers from the same credit card company. You should also ask if there are any exclusions. Many credit cards exclude coverage for luxury or exotic car rentals.
Purchase A Non-owned Auto Insurance Policy If you rent cars frequently but you do not have your own auto insurance policy you can save yourself a lot of money by purchasing a Non-Owned Auto Liability policy. This policy provides you with the same type of protection as the Excess Liability coverage offered at the rental car counter. These types of policies usually which airlines pay travel agency commission international cost around $300 a year and will cover you when you are driving any private passenger which airlines pay travel agency commission international automobile. This policy only provides which airlines pay travel agency commission international protection for Bodily Injury and Property Damage Liability. It will not pay for damages to your rental car so you will still need to purchase the Collision Damage Waiver or use one of the coverage methods we discussed earlier.
If you are unable to secure coverage by using any of the methods listed in the previous chapter which airlines pay travel agency commission international you should seriously consider purchasing coverage at the Rental Car Counter. It can be hard to get an honest advice about these coverages from the rental car agent because they are paid a commission every time they sell it to you. Don t worry; we have provided you with all of the help you need below.
Collision Damage Waiver (CDW) This protection is also called the loss damage which airlines pay travel agency commission international waiver (LDW) by some rental car companies. It is often referred to as insurance but this is incorrect. It is actually a waiver of responsibility. which airlines pay travel agency commission international When you purchase this protection the rental car company waives your responsibility for damages or theft of the rental car. If something were to happen to the car you would simply file a quick claim form when you returned the car and the rental car company would pay to repair or replace it. The price for this protection usually ranges from $15 to $25 depending on where you are renting.
Caution: This coverage may become void if you cause an accident while breaking the law. This includes excessive speeding, driving off road or driving while intoxicated so be careful when you are driving a rental car or any car for that matter.
If you carry a minimum limit such as $10,000 for Property Damage which airlines pay travel agency commission international Liability coverage you may want to consider purchasing the Collision Damage Waiver because this low limit may not be enough to pay for repairing or replacing which airlines pay travel agency commission international the rental car. Remember you could also be held responsible which airlines pay travel agency commission international for damages to other peoples car s or property if you are involved in accident and found to be at fault and Rental car companies will charge you for loss of rental income for the car that you damaged. These are all important factors that should be considered when deciding if you should which airlines pay travel agency commission international purchase the Collision Damage Waiver.
Another advantage to this coverage is that there is no deductible. This can come in handy if you were involved in an accident that is covered by your auto insurance policy and you are renting a replacement car while your car is in the shop being repaired. You see in this scenario any damages to the rental car would be covered by your Comprehensive or Collision which airlines pay travel agency commission international coverage which means that you would have to pay the deductible.
Excess Liability Car rental companies are required by law in most states to provide a minimum amount of liability protection for renters which airlines pay travel agency commission international of their vehicles but this is rarely enough to protect your interests if you seriously injure someone in an accident. The liability portion of your personal auto insurance policy will transfer to your rental car so you have adequate limits of bodily injury and property damage liability on your personal auto insurance policy we would not recommend purchasing this coverage. This coverage would only pay after your personal auto insurance policy which airlines pay travel agency commission international limits are exhausted. This price for this protection is around $10 to $13 dollars per day for 1 million dollars worth of excess protection.
Personal Accident Insurance If you or your passengers are injured in an accident or as a pedestrian this coverage will pay for your medical expenses and ambulance fees if needed. If you live in a no fault state, have health insurance or carry medical expenses coverage you probably already have this protection and do not need to buy it from the car rental company. Check your auto insurance and health insurance policy to find out for sure. A claim for this type of loss on your personal which airlines pay travel agency commission international auto policy will not cause an increase in price so if it is covered on another policy there is really no benefit to buying it from the car rental company. The price of this protection usually runs from $2 to $5 a day depending on where you rent.
Personal Effects Coverage This is coverage for theft of you or your passenger s personal items such as cameras, camcorders or Laptop computers. This protection may also be provided on your homeowners or renters policy if you have one so you may not need to buy it from the rental car company. However, homeowners or renters deductibles are usually $500 or higher and all of your articles may not be covered. Check the declarations page of your policy which airlines pay travel agency commission international for your deductible and the exclusions which airlines pay travel agency commission international section to find out if the items you are taking with you are covered.
One of the benefits of purchasing this coverage from the rental car company is that you usually do not have to pay a deductible. You simply file a claim when you return the rental car and you are reimbursed for the theft of your items. You will usually need to prove ownership of the items that you claim were stolen by providing the rental car company with receipts or other proofs of ownership. You should also ask the rental agent if any exclusions apply to this coverage prior to purchasing it. The price for this protection is $2 to $5 dollars a day.
It is better make all of your rental car insurance decisions before you step up to the rental counter. Nobody should be forced which airlines pay travel agency commission international to make snap decisions on issues of this much importance and now you don t have to. We hope that you have found the help that you needed which airlines pay travel agency commission international in this handbook. I love to get feedback on this article so please send your questions or comments to info@theautoinsurancebuyersguide.com. which airlines pay travel agency commission international I look forward to hearing from you!