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Do I need insurance on a rental car?


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There are many people out there that think that getting insurance on a rental car is useless. Yes there are many times that you will rent a car without having an accident, but there may be a time that you really need it. If you are in a situation when need insurance and don't have it, that can be one high costly mistake.


In most cases your own personal insurance will cover you, but depending on what type of insurance you have, it will most likely be just liability. Normally car insurance on a rental vehicle will be around 15 or 20 dollars everyday the vehicle is rented. So if you were to rent a car for a week the additional charge for insurance would be around 100 to 150 dollars, depending on the rental company.


Now if you were to get in an accident and you did not purchase the additional insurance, but your personal insurance covers you, you will have to pay your deductable which normally is 500 dollars. In addition to that, if the cars had to be in the shop for 5 days, you would have to pay to rent that card for an additional 5 days since the company cannot use the car.


Some people will say that purchasing the rental insurance is a scam, and is just a way for the rental companies to make an extra dollar off of you. But you must ask yourself, how many scams will cover your vehicle for collision, and liability? It is just a smart decision to purchase the insurance on a rental car, especially when it is not your car that is being covered.


To put it as simple as possible, you absolutely should get rental insurance when renting a car. As good of a driver you are, that does not mean everyone else on the road cares as much as you do. You need to make sure that you auto insurance policy covers rental cars. Most policy's will cover you in a rental cars, but some policy's do not. So don't get yourself in a situation, and find out that your auto insurance will not cover you.


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