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Affordable Auto Insurance - Rental Car Insurance through your Credit Card Company



September 7, 2009 — Many people seem to have the same question regarding their automotive insurance and going on vacation. Will your automotive insurance cover your rental car? You want to make sure you are covered and know how to answer when the rental car representative asked if you want to buy the insurance for the rental car. The only way to make sure that you are covered under your regular automotive insurance is to pull out your papers and look. It is always recommended to double check with your agent by giving them a call.

Usually, there are two instances where you will be covered by your car insurance for a rental car.

Automotive Insurance Policy:
Many insurance agencies will grant this coverage to their rental cars as well, under the heading of it being considering taking a vacation, so you need to double check with you insurance agency. If you are leaving for a business trip, your employer should have insurance extended to you for the trip. They are responsible for this, not your private auto insurance.

Automotive Insurance Through Credit Card Company:
Many credit card companies will provide you protection on cars rented on their credit card. While the coverage amounts can vary depending on which credit card company it is, you should always check with the conditions of the card to make sure you will be covered enough or you should add on rental car insurance when you go to rent it. You don’t want to be held having to pay enormous amounts of money out of your pocket.

If you decide that having extra coverage will better your situation, there are many common car insurance options available to you and are given usually at all rental companies.

Collision Damage Waiver & Loss Damage Waiver:
This pays if you have lost your rental car from a theft or it is has been vandalized or damaged in an accident. This is also commonly referred to as CDW and LDW.
Personal Accident Insurance: This pays if you have medical bills from a car accident that has taken place in your rental car. This is also known as PAI.

Supplemental Liability Insurance:
This pays you up to one million dollars in extended liability coverage. This is also known as SLI.

Personal Effects Coverage:
This pays you for any of your personal possessions that are stolen from inside your rental car. This is also referred to as PEC.

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