As more and more Americans decide to vacation away from home, the question about insurance coverage and rental cars is bound to come up. When you rent a car online, you are only a few steps into the process when the matter of what type and how much insurance you want to take out on the rental vehicle. No one wants to pay for auto insurance they don’t need. At Senn Insurance Agency in O’Fallon, MO, our experienced team is here to make sure you know the coverage that you have and don’t overpay.
One answer is not sufficient for every person. A lot depends on the amount and type of auto insurance that you carry. If you have basic auto coverage, which is liability only, you will not have adequate coverage with a rental car. While that will protect you from being sued, it will not cover the rental car itself and if you have an accident, you could be left holding the bag for the entire repair or replacement cost for the rental car.
If you are comfortable with the amount of liability coverage that you have on your personal auto policy, it should be right for a rental car. If however, you don’t have a new car, your collision and comprehensive coverage may not be enough for the car you are renting. Talking to your independent insurance agent about the limits of your personal coverage will put your mind at rest.
Rental car companies offer collision damage waiver insurance which relieves you of responsibility in the event that you have an accident. If you can afford it, it takes the stress out of driving a rental vehicle. Cost versus stress, you have to decide what makes you more comfortable.
Contact the Senn Insurance Agency in O’Fallon, MO for all your auto insurance needs.