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Car Rental Insurance

Q: Should I pay for the insurance add-on when I rent a car?

A: If you have an automotive insurance policy that includes third party liability, collision, and comprehensive it may cover the insurance on rental cars. It is best to contact your insurance agent to clarify whether or not you need to purchase additional coverage when renting a car. Call your credit card company too. Some credit card companies offer car insurance if you charge the rental car on your card. Also check your insurance policy if it covers the cost of the rental car. If your vehicle is being repaired and is being covered by your collision or comprehensive insurance, you may have a car rental endorsement that pays that expense. If you do not hold a car insurance policy, you should pay the extra for the rental insurance. This will cover you from lawsuits and property damage if you get in an accident during the rental period.