Before renting a car, you’ll need an automotive insurance policy to keep you covered on the road. Most car renting companies would require you to at least own a collision and comprehensive company before approving any sort of car rentals. Here’s what you should do before renting a car to ensure that you are fully covered.
- Contact your insurance agent
Get a detailed insight into the amount of coverage you have on your vehicle. Usually, any coverage and deductibles that are present in the automotive policies should apply to a rented car as well, as long as the vehicle is used for leisure and is not related to business.
- Contact your credit card company
Get to know the insurance policies that your credit card provide where the list of coverages may vary. If you do not have any automotive insurance, then you’ll need to purchase a coverage at the counter of your respectful car rental company. Here are some of the coverages that will be available for purchase over the counter:
Collision Damage Waiver
Also known as Loss Damage Waiver, this coverage will cover the cost of any financial responsibility provided if the rented car has been damaged or involved in a car theft. However, this coverage may be voided if you are responsible for any accidents by drunk driving, speeding, or going through unpaved roads.
The Liability Insurance gives coverage from the time you rent a car. According to the law by your state, all car rental companies are required to provide liability insurance at a minimum level. Usually, this won’t be enough to cover you in a severe accident.
It’s safer to know that you have something covered for you while you go on the road. Liberty Automotive Plans provides the best protection plans and payments that are flexible to customers regardless of their budgets or the type of vehicle they have.