To Take The Insurance On Your Rental Vehicle Or Not-The Choice Is Up To You

It is hard to decide whether or not you want to get the extra vehicle coverage that if offered by the rental agency. This seems like something that people always debate on. You have to decide whether you are going to waste money if you get it or do you want to get it to avoid possible cost later. Everyone wants to be protected from liability, and naturally no one wants to throw money away.

The first step that you need to take care of is seeing whether or not you have the coverage that need with your personal car insurance. Also call your credit card company and check if they have automatic coverage when you use the card to rent a vehicle. Once you have completed both of those tasks you will be much closer to making a decision. If you do have the coverage from one or both of these sources then you are likely going to be fine without extra coverage.

When you have coverage through your personal car insurance it does not mean that it will be easier to deal with as well as cheaper. This puts you right in between the rental company and your insurance company. The rental companies stance is that whatever happened to the car is basically your responsibility. Your insurance company will be looking to you for all of the info and documentation relating to the accident or damages.

If on the other hand you decide to go with the rental companies insurance you will have them, the agency, to take care of filling out claim forms and actually making sure that the vehicle gets fixed. It makes things much easier. This can make life much simpler if you are not anywhere near where you rented the vehicle from and have to deal with all of this remotely. It will definitely cost you more to get the vehicle insurance from the agency, but it would make things much easier in case something happened.

Whatever choice that you eventually make it needs to be one that fully protects you from any liability. You certainly don't want to take the chance of driving without any coverage at all. That could open up a can of endless hassle to deal with if there is an accident. Do what you feel will best cover your interests and what will make your life easier on down the road.