Many of us will be on road trips during the holidays and even more often as spring break and summer weather approaches! For your peace of mind, if you are driving a rental automobile, you will want confirmation that you will be completely protected by insurance in the case of a car accident lawyer. But it might be challenging to determine what you truly need to give the plethora of insurance alternatives presented to you during the rental. For more information on what you need to put in place to be covered in the event of a rental car accident, keep reading. Mediaposts
Personal Auto Insurance May cover accidents in a Rental Car.
You might not need to purchase extra insurance when renting a car if you already have personal auto insurance. When driving a rental automobile for personal use, your regular auto insurance will typically protect you in the event of an accident. Generally speaking, comprehensive collision insurance covers all harm to your car. Property damage liability insurance covers the expense of harm to another car.
In Arizona, you must have liability eblogz insurance that is at least $10,000 in value. In the event of an accident, car owners who have MedPay will have their injuries covered, while most auto insurance policies do not.
One word of warning, though: foreign rentals might not be covered by your standard insurance. And an insurer might hesitate to provide coverage for a vehicle that is considerably more expensive than the vehicle you typically drive.
Check your personal policy to know the extent of your coverage following a rental car accident to be safe.
Insurance Coverage May Be Limited on Credit Cards
Your credit card can also cover accidents involving a rented car. Most credit cards offer collision coverage when you pay for a car rental with a specific credit card, and the vehicle is registered in your name. However, few credit cards offer liability insurance, so you run the risk of paying out of pocket if you are accountable for damage to another person’s automobile. Keep in mind that credit card coverage is typically secondary coverage so payment will be made first by your personal auto insurance.
You can forgo purchasing the loss-damage waiver (LDW) or vehicle damage waiver (CDW), which ensures that, in the event of an accident, the insurance provider will not require you to pay for damage to the vehicle, if you are confident that your vehicle insurance or credit card provides collision coverage for the duration of your rental period.
It is a good idea to buy liability insurance if you do not already have it since, if you wreck someone else’s car, you risk going bankrupt trying to pay for the damage.