Rental Car Insurance - Even If It's Not Your Own, Insurance Is Important As Your Safety Depends On You Alone


Buying insurance is like paying taxes, it is the least pleasurable thing that we can think of. And when it comes to a rental car, you always feel that it is not your liability to purchase auto insurance for it.

But whatever the case may be, you are on a business trip or on a vacation, it is essential that you buy car insurance for the rented vehicle. Now it may happen that your current insurance policy would be covering you in case you drive a rental car. You should know what exactly your policy covers and then buy additional coverage.

CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver)

Sometimes the rental company may also offer you the collision damage waiver (provides protection from any theft, vandalism or any other physical damage) against an additional price, so when you set out to buy insurance don't just blindly sign the dotted line. Understand what is covered by your rental company and then take the decision of buying additional coverage.

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There are several options available to you.

PAI (Personal Accident Insurance)
You and your passengers may require paying for the medical costs if you are involved in an accident. This coverage will specifically help you cover the costs and save you from paying long hospital bills.

SLI (Supplemental Liability Insurance)
In course of driving a rental vehicle, you may get involved in an accident and cause injuries or damage to others (other than the passengers). If you have SLI, then you can pay for third parties liabilities and thus save yourself from any legal hassle.

PEC (Personal Effects Coverage)
Travelling can be annoying if you lose your belongings or they are stolen or are damaged due to some reason or another. This coverage will help you cover damages up to a certain limit if your baggage and other valuables are stolen or damaged inside the car.

Additional Liability Coverage
This is not necessarily for rental cars, but you can purchase this coverage if you feel that the coverage you have would prove to be inadequate in case of an accident. It will cover everything above the usual standard policy.

Buying insurance is not a task that you need to get over with. Insurance assures of a safe future so taking any decision without a thorough understanding may prove harmful to you.

So it is essential that you carry out a meticulous research and then go for buying insurance.

Ultimateautoinsurance.com will assist you in taking a well-informed decision.

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