Is There a Benefit to Purchasing the Extra Rental Car Insurance?
Most people who travel on a regular basis are all too familiar with the rental car counter and the option of purchasing rental car insurance. The person at the counter will likely tell you all about the potential negative consequences associated with declining the rental car company’s insurance coverage.
When it comes to whether or not you need additional rental coverage, the answer always is, “it depends.” In deciding whether additional rental coverage is right for you, you will first need to see if your own personal insurance policy covers you – most especially, in the event of a motor vehicle collision that you or someone else causes.
At Bednarz Law, our experienced personal injury legal team can answer all of your rental car insurance questions and can help you decide on the option which best suits your circumstances. If you sustain injuries in a motor vehicle collision that was not your fault, we can help you obtain monetary compensation for the injuries and damages you suffer.
Steps You Should Take
When you are deciding whether to purchase additional rental coverage, you should take the following steps:
- Check your regular motor vehicle insurance policy – In many instances, your regular motor vehicle insurance policy which keeps you on the road covers you during a collision involving a rental vehicle. First, you want to make sure that you have adequate liability insurance coverage under your regular policy to pay for others’ property damage and medical bills, in the event you are at fault for the collision. You should also make sure that your regular motor vehicle insurance policy has comprehensive and collision coverage, the latter of which helps cover damage to the motor vehicle resulting from a collision, no matter who is at fault.
- Check your health insurance policy – If you have adequate health insurance coverage, it is probably not necessary to purchase additional rental car coverage. This is also true if you have medical payments coverage and/or personal injury protection (PIP) coverage under your own car insurance policy.
- Check your travel insurance policy – In some instances, if you purchase travel insurance for your vacation, the policy includes rental car collision coverage.
- Check credit card benefits – Many credit card companies offer some level of car insurance as a fringe benefit – especially if you use your credit card to pay for your rental car.
Opting for the Extra Insurance Coverage
In some instances, it can make sense to opt for additional coverage offered by the rental car company. Those instances include the following:
- You do not have regular motor vehicle insurance coverage, you do not have comprehensive and collision coverage, or you have a very high deductible
- You are traveling for business purposes
- You are driving a rental car somewhere outside the United States
- You want the extra peace of mind
Talk to a Personal Injury Attorney in Sumner County Today
If you are involved in a motor vehicle collision involving a rental car, the experienced legal team at Bednarz Law can help. To schedule a free case evaluation and legal consultation with an experienced Sumner County personal injury lawyer, please contact us online.