When you’re in the market for a rental car, you need to be completely aware of every risk that comes with the territory. There’s always the chance that you might get into a wreck or otherwise damage the car.
When this happens, who is responsible for paying for it? What kind of insurance coverage do you need?
We’ve got you covered. Here’s what you should know about dealing with rental car damage.
Touch Base With Your Car Insurance Provider
Your first move should be to talk to your personal car insurance provider. The policy that you hold for your vehicle will typically cover you for a rental vehicle as well.
It’s best to check with your insurance provider first so that you’re not at risk of paying out of pocket.
Even minor damage to rental car can become quite expensive. Matching paint color to fix a scratch or bumper issue alone can take time and money.
Your insurance provider will let you know whether they will need to process the claim, or if the rental car company is responsible.
Assess the Coverage Offered by the Rental Car Company
While it isn’t mandatory to buy the insurance coverage provided by the rental car company, it also doesn’t hurt. Ask the company what kind of coverage they offer at the time of the rental.
Since you don’t own the vehicle you’ll want to invest in liability coverage, comprehensive coverage and collision coverage. Failing to get all three types of coverage will leave you open to liabilities depending on the type of damage done to the car.
For instance, there’s a big difference between sustaining car hail damage and getting into a fender bender. If you don’t end up going with the plan offered by the rental company, make certain that your car insurance plan extends to the rental.
Weigh Your Options and Any Possible Repercussions
You always have options when it comes to the type of insurance you opt for. Some drivers that already have car insurance feel more comfortable doubling down on it by taking a policy from the rental car company.
This decision can also boil down to which company you trust the most. If you already have a good rapport with your insurance provider, you’ll naturally trust them to cover your rental vehicle as well.
Some people prefer to get coverage through the rental car company so that they don’t run their own rates up by filing a claim. Several credit cards will also protect you from rental car damage.
Your medical insurance provider might also cover you if you happen to get hurt during the accident. Double and triple check your policies so that you feel confident during the entire rental period.
Take Care of Rental Car Damage as it Comes About
These rental care damage tips are worth your consideration. Driving comes with inherent risks, so you need to mitigate these risks with the best insurance coverage.
Weigh your options and choose what’s best for you. Check back for more automotive news and notes.