In case you’re touring on trip, for enterprise or actually anyplace by airplane, you are going to have to hire a car. Each time you hire a car you are requested the query “would you like rental car insurance coverage?” and each time I guess you do not know whether or not you want it or not. In case you do go forward and get the insurance coverage, it can add an additional couple hundred dollars to the invoice. Do you actually need it or does your common car insurance coverage cowl you while you drive a rental car 월렌트카?
The easiest way to know for positive what your insurance coverage coverage covers is to name up your insurance coverage agent and ask. Or higher but, dig out your coverage and skim the superb print. Some insurance coverage insurance policies solely cowl a rental car in case your car is in for repairs and that rental car is a substitute car. Different insurance coverage insurance policies could cowl the rental car underneath an ‘different automobiles lined’ part of the coverage.
There’s confusion even amongst agents as as to if a rental is roofed underneath a daily insurance coverage coverage. I contacted one agent that stated insurance coverage won’t cowl a driver in each automobile until you will have a non proprietor’s coverage. I contacted one other insurance coverage that stated insurance coverage solely covers the car, not the motive force and the insurance coverage will lengthen to the rental car solely if in case you have complete and collision protection. However in the event you solely carry legal responsibility insurance coverage then the protection won’t lengthen and you have to get extra protection from the rental agency.
A third insurance coverage agent instructed me that you must at all times get insurance coverage from the rental agency until you realize indisputably that your car insurance coverage coverage has a lack of use clause. Because of this in the event you do wreck the rental and it can’t be rented whereas it’s being repaired, the rental company will cost you for these days. Nonetheless, in the event you purchase their insurance coverage they will not cost you. Few car insurance coverage firms supply the lack of use protection although.
A closing reply from a fourth insurance coverage agent says that car insurance coverage will observe the motive force if there isn’t any different insurance coverage on the car and it is technically referred to as ‘extra’. Your present car insurance coverage will cowl the components that the car’s insurance coverage would not cowl as much as your coverage limits. You must have collision and complete protection to have comp/coll on the rental. Your deductible will apply in the event you get in a wreck.