{"id":1861,"date":"2014-01-16T11:03:05","date_gmt":"2014-01-16T19:03:05","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=1861"},"modified":"2014-01-16T11:03:05","modified_gmt":"2014-01-16T19:03:05","slug":"do-you-really-need-rental-car-insurance","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/do-you-really-need-rental-car-insurance\/","title":{"rendered":"Do You Really Need Rental Car Insurance?"},"content":{"rendered":"
Along with trying to pick which new cell phone to buy, perhaps nothing is more confusing than deciding if you should purchase rental car insurance. Having the right information can save you money \u2013 by not opting for unnecessary coverage or discovering you may be open to unforeseen liability due to dangerous gaps in coverage.<\/p>\n
If you have good car, health, and homeowners\/renters coverage<\/a>, you can probably skip the extra protection and save some money. But if your auto insurance coverage<\/a> has holes in it, it may be a good idea to add rental car insurance.<\/p>\n That being said, before you get in line at the rental counter, you should talk to your insurance agent and the credit card company you\u2019re using to pay for the rental vehicle.<\/p>\n What to ask your insurance carrier:<\/strong><\/p>\n Know what your credit card covers<\/strong> Credit cards usually cover only damage to or loss of the rented vehicle and:<\/p>\n\n
\nMany major credit card providers offer rental auto insurance to cardholders and insurance limits can vary greatly between companies, as well as by status of the credit card you use. For example, Visa’s auto rental collision-damage waiver provides reimbursement for damage due to collision or theft up to the actual cash value of most rental vehicles. However, Visa’s coverage kicks in only on theft or damage expenses that are not covered by other insurance or reimbursement.<\/p>\n\n