Doesn’t it seem confusing sometimes just to get yourself a rental car? There seems to be so much paperwork therefore many decisions to make.

For example, should you get the collision damage waiver or not? Should you buy additional insurance coverage from the automobile rental company?

If sports car rental miami have ever watched people at the rental car counter, you know these are questions that a lot of people struggle with. Sometimes you can decline additional insurance on car rentals, but there are specific instances that you ought to always buy the insurance. But how do you know?

One of the biggest regions of confusion may be the Collision Damage Waiver (CDW) offered by the car rental company at the time of rental. It covers harm to the rental car should you be involved in an accident.

The CDW isn’t exactly insurance, also it only covers only harm to the rental car. It generally does not cover property damage or personal injury. If CDW is purchased, the automobile rental company waives some or most of its to gain from you for physical damages to the car.

So should you purchase the CDW the automobile rental agency pushes at you? Experts say that a lot of people don’t require it but purchase it anyway. This can be a very costly mistake!

You can save yourself a lot of hassle and unnecessary cost by doing three things. First, check your own car insurance to see what coverage carries over to rental cars. Second, see if the charge card you’re using offers any coverage for renting. And lastly, check the options the car rental agency offers in its own policies.

Many car insurance policies include all-inclusive and collision coverage to damages to rental cars. There is no sense spending money on more if your policy includes this coverage, right? Just verify the details with your insurance agent before you decline the car rental company’s additional insurance options.

Typical car insurance policies provide liability coverage that reaches car rentals. If you injure someone in an accident while driving a rental car, your policy will often cover you. If your car insurance policy does not provide these coverages if you are driving car rentals, make sure to purchase additional insurance from the automobile rental company to protect yourself.

In addition, many credit cards offer coverage for rental cars. If your credit card includes coverage for car rentals that have been damaged in an accident, you don’t have to buy any other additional insurance plan the car rental company gives you.

Finally, browse the car rental policy carefully and decide whether your car insurance or credit card covers you. Then discuss the automobile rental’s coverage with the agent. Always make an informed decision. Don’t give into pressure by the automobile rental agent.

Deciding whether or not to pay for additional insurance coverage the automobile rental companies offer can be a tough decision. Consult with your credit cards and existing car insurance to see should they provide rental car provisions, and if they don’t, you’d better consider spending the excess money for additional insurance for your own protection.