As the temperature begins to rise, it’s time to start planning your summer vacation. You book your flights, reserve your accommodation, and then turn to the question of a vehicle rental. You choose the location, pick the dates, and select the vehicle size, and then they ask if you want to accept the rental company’s insurance. It can be not very clear. At Amerisent Insurance in Las Vegas, NV, our agents help our customers understand and choose the coverage they need.
The nature of your existing auto insurance largely determines if you require rental car insurance. Suppose your auto insurance is basic and provides only liability coverage. In that case, it will offer some assistance in the event of an accident but won’t cover the repair costs for the rental vehicle. In a scenario like this, you could be left with a massive repair bill that no one wants.
However, if your vehicle is fairly new and has full coverage, including collision, comprehensive, and full glass, you should be adequately protected when driving a rental car. Therefore, you won’t need their expensive insurance. Rental companies may try to sell coverage for personal items in the vehicle, but you already have this coverage if you have home, condo, or rental insurance.
Moreover, checking the credit card used to rent the vehicle is advisable. Many cards offer rental car coverage, which means that you can keep your record clean without filing an insurance claim with your carrier.
In short, whether your auto insurance policy covers rental cars depends on its specific details.
If you live in Las Vegas, NV, and have questions or concerns about your auto insurance, do not hesitate to contact our independent insurance agents at Amerisent Insurance.
