Comments for Car How-to and Information

Comment on should i purchase insurance when renting a car from the rental company? by GARY M

GARY M — Tue, 23 Feb 2010 01:00:03 +0000

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Comment on should i purchase insurance when renting a car from the rental company? by Phlow

Phlow — Fri, 19 Feb 2010 18:39:43 +0000

The truth, I suspect, is somewhere in between. The answer will vary based on the person’s own insurance policies and credit cards. The key is do your homework before you find yourself at the rental car counter initialing your life away.

First, check with your auto insurance carrier and ask lots of questions about deductibles, collision insurance, and whether you’re covered if the car is stolen. Also, as I alluded to before, check with the credit card company you use to rent the car. Often, they will provide a level of coverage, and it’s smart to find out the specifics. For example, are you covered if you’re traveling abroad? The Insurance Information Institute offers a nice checklist to work through.

The frustrating truth is that it all depends. Maybe you’re covered. Maybe you’re not. So, skip the surprises and check.

Comment on should i purchase insurance when renting a car from the rental company? by Sarah M

Sarah M — Wed, 17 Feb 2010 18:05:59 +0000

your insurance should cover rentals, call your agent and ask. if not, you can pay a lil extra for it, and if something does happen, its not on your record with your ins company.

Comment on should i purchase insurance when renting a car from the rental company? by Fred C

Fred C — Fri, 12 Feb 2010 01:42:02 +0000

That depends. My insurance doesn’t cover a rental. My liability coverage goes with me to any rented or borrowed vehicle in Canada or the US, but not physical damage coverage. However, I can buy a policy for a few dollars a day that covers all collision/upset and comprehensive losses, loss-of-use, and $5,000,000 liability.
For those that think rental car insurance is a scam, I have to tell you that some people have discovered, to their horror, after being in an accident with a rental that their credit card has been billed for the complete replacement value of the car because there wasn’t a policy in place to cover it.
Do not count upon your own policy unless you have thoroughly read the wordings and found clauses confirming coverage. It is a fools’ game.

Comment on should i purchase insurance when renting a car from the rental company? by Rainman

Rainman — Wed, 10 Feb 2010 23:35:36 +0000

I only get the loss damage waiver. Your insurance will cover liability for damage to other people’s cars or property should you have an accident.

The loss damage waiver covers any damage to the car, whether there was an accident or not. Any claims against it are not reported as an insurance claim. Things that have happened to me or friends with rental cars include:

Valet ran into security arm while parking or recovering the car. Valet tickets always have disclaimer saying they are not liable for any damage to your car.

A hail storm caused dents in the car.

A horse drawn carriage hit the car.

Parking lot dings.

Lost keys.

It’s worth it to just return the car and not worry about anything like that. It’s also worth it not to have an insurance claim that results in you premiums going up or being cancelled.

Comment on should i purchase insurance when renting a car from the rental company? by Keith C

Keith C — Sun, 07 Feb 2010 22:53:29 +0000

Yes, the WHOLE idea behind a rental car is to “Drive it like you stole it” that extra insurance will allow you to total their vehicle without it affecting your insurance on your vehicle. if you insurance policy (VERY Little of them do–they cover the vehicle they are purchased for) does cover rentals then if you total their rental YOUR rate goes up.

Comment on should i purchase insurance when renting a car from the rental company? by mikey

mikey — Thu, 04 Feb 2010 16:19:51 +0000

I always do, I just want to know where to mail the towing receipts-has stood me in good stead twice, once in hawaii when the car was vandalized in secured parking and another time in DC when the rental was ‘lost’ at the hotel valet parking. Both times, I called the rental company, they sent out a new vehicle, I went on about my business, never heard a thing about it. ever.

Comment on should i purchase insurance when renting a car from the rental company? by Doc

Doc — Tue, 02 Feb 2010 13:50:56 +0000

Generally no. See if your own auto policy has coverage on the rental car, if you have an auto policy with full coverage.

Otherwise, yes, buy the insurance, or you can be charged mercilessly in the event of an at fault accident.

Comment on I got into a car accident at work while driving the company car, can they make me pay for damages? by mike g

mike g — Sun, 31 Jan 2010 18:42:02 +0000

your company should have insurance and it should cover you and any damage that occurred.

Comment on should i purchase insurance when renting a car from the rental company? by Beans&Rice

Beans&Rice — Sun, 31 Jan 2010 16:45:11 +0000

Definitely. I rented a U-haul a year ago and purchased the renter’s insurance along with it. I was rear-ended and didn’t to pay a dime, even the cop investigating the incident somehow determined it was my fault. If I hadn’t bought the insurance I would’ve had to pay for repairs. I think the grand total was like $2,500. You can save $20 and not get the insurance, or get the insurance and possibly save yourself thousands of dollars.