Doesn’t it seem confusing sometimes just to get a rental car? There appears to be so much paperwork therefore many decisions to make.

For example, should you get the collision damage waiver or not? In the event you buy additional insurance plan from the car rental company?

If you have ever watched people at the rental car counter, you know these are questions that most people struggle with. Sometimes you can decline additional insurance on car rentals, but there are specific instances that you should always choose the insurance. But how do you know?

One of the biggest regions of confusion is the Collision Damage Waiver (CDW) offered by the car rental company at the time of rental. It covers harm to the rental car if you are involved in an accident.

The CDW isn’t exactly insurance, also it only covers only harm to the rental car. It generally does not cover property damage or personal injury. If CDW is purchased, the automobile rental company waives some or most of its right to gain from you for physical damages to the automobile.

So should you choose the CDW the automobile rental agency pushes at you? Experts say that a lot of people don’t require it but purchase it anyway. This is a very costly mistake!

You can save yourself a lot of hassle and unnecessary cost by doing three things. First, check your own car insurance policy to see what coverage carries to rental cars. Second, see if the charge card you’re using offers any coverage for renting. And finally, check the options the car rental agency offers in its own policies.

Many car insurance policies include all-inclusive and collision coverage to damages to rental cars. There is absolutely no sense paying for more if your policy includes this coverage, right? Just verify miami luxury car rental with your insurance professional before you decline the automobile rental company’s additional insurance options.

Typical auto insurance policies provide liability coverage that extends to car rentals. If you injure someone within an accident while driving accommodations car, your policy will most likely cover you. If your car insurance policy will not provide these coverages while you are driving car rentals, make sure to purchase additional insurance from the automobile rental company to protect yourself.

In addition, many credit cards offer coverage for rental cars. If your charge card includes coverage for car rentals which were damaged in an accident, you don’t need to buy any other additional insurance plan the car rental company gives you.

Finally, read the car rental policy carefully and decide whether your car insurance or charge card covers you. Then discuss the automobile rental’s coverage with the agent. Always make the best decision. Don’t give into pressure by the car rental agent.

Deciding whether or not to cover additional insurance coverage the automobile rental companies offer can be quite a tough decision. Consult with your credit cards and existing car insurance to see if they provide rental car provisions, and when they don’t really, you’d better consider spending the extra money for additional insurance for your own protection.