If you have rented a car several times, then you are probably familiar with the encounter of an agent who promotes their rental car insurance to you unnecessarily.
This may or may not coax you to buy the rental car insurance. You may even think that you do not need it, as it is just a waste of money. You are confident that your personal car insurance is enough to cover you while driving a rental car.
However, things could go wrong. You may find yourself stranded in a deserted road with a couple of flat tires. With no cellphone signal available to call for help, you may have regretted turning down the rental car insurance, especially when your learn that you are responsible for the damage happened to rental car.
To avoid these unfortunate scenarios, here are some essential tips to keep in mind about rental car insurance:
Find out What Your Personal Auto Insurance Covers
If you are going to rent a car, check what protection you can get with your policy. After that, you will know what you can supplement from the car rental company insurance.
Generally, your personal auto insurance can cover your rental car if you have liability and comprehensive coverage. Note that your premium is likely to increase if you file a large claim with your auto insurance.
Take Pictures of the Incident
It is important to have some photos, which you can use as evidence, if you are involved in an accident. The pictures can save you time and money by clarifying issues in case the rental company charged you for something you did not cause.
Decline the Arbitration Agreement
When it comes to renting a car, you give your consent to a private arbitration when you sign their contract. Arbitration provision is considered a clause in the rental car insurance. It means both parties will resolve their disagreement in accordance to the arbitration process. However, it is usually done in favor of the rental company.
The good news is that you may decline the binding arbitration agreement by sending an email to the rental company, stating that you choose to turn down the provision. Do this in a span of 30 days of renting their vehicle.
On the while, renting a car is not as simple as it seems. It becomes a different story when you get into an accident. Therefore, arm yourself with enough knowledge about your personal car insurance and that of the rental car insurance. Western Pacific Insurance has its clients as their priority with affordable rates and clever policies. To learn more about how we can help you please contact our agency At (702) 932-3105 or Click Here to request a free quote.
However, things could go wrong. You may find yourself stranded in a deserted road with a couple of flat tires. With no cellphone signal available to call for help, you may have regretted turning down the rental car insurance, especially when your learn that you are responsible for the damage happened to rental car.
To avoid these unfortunate scenarios, here are some essential tips to keep in mind about rental car insurance:
Find out What Your Personal Auto Insurance Covers
If you are going to rent a car, check what protection you can get with your policy. After that, you will know what you can supplement from the car rental company insurance.
Generally, your personal auto insurance can cover your rental car if you have liability and comprehensive coverage. Note that your premium is likely to increase if you file a large claim with your auto insurance.
Take Pictures of the Incident
It is important to have some photos, which you can use as evidence, if you are involved in an accident. The pictures can save you time and money by clarifying issues in case the rental company charged you for something you did not cause.
Decline the Arbitration Agreement
When it comes to renting a car, you give your consent to a private arbitration when you sign their contract. Arbitration provision is considered a clause in the rental car insurance. It means both parties will resolve their disagreement in accordance to the arbitration process. However, it is usually done in favor of the rental company.
The good news is that you may decline the binding arbitration agreement by sending an email to the rental company, stating that you choose to turn down the provision. Do this in a span of 30 days of renting their vehicle.
On the while, renting a car is not as simple as it seems. It becomes a different story when you get into an accident. Therefore, arm yourself with enough knowledge about your personal car insurance and that of the rental car insurance. Western Pacific Insurance has its clients as their priority with affordable rates and clever policies. To learn more about how we can help you please contact our agency At (702) 932-3105 or Click Here to request a free quote.
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