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Should You Get Insurance With Your Rental Car?
If are renting a car for vacation this summer, should you buy the additional insurance? The short answer is that you probably don't need it. Your insurance most likely covers the rental car just as it would your own car -- with the same limits, terms and deductibles.
However, there are some things to consider. For example, while most insurers handle a rental car claim just as they would a claim on your personal car, some handle it as a liability claim. The good news is that you probably won't have to pay a deductible. However, if you want to change insurers at a future date, carriers might assume that the accident was your fault, and raise your rate accordingly. Also, if the driver having the accident is not named on the rental contract, your insurer might deny the claim, saying that the person did not have legal permission to drive the car.
Ultimately, you need to weigh the cost of buying the extra insurance against the potential hassle and risk of dealing with your own insurer to file a claim. At The Bensman Group, we would be happy to discuss with you any insurance questions, including how your policy applies to rental cars. Contact us at 847-572-0800 or firstname.lastname@example.org.