Three Questions to Ask For A Rental Car
Will my current insurance cover the cost of the rental?
This is a question not for the car company but your provider. Usually, drivers already know the answer since rental car coverage is paid for monthly as part of your premium. Still, certain questions need to be asked. These include:
- Is rental coverage part of my policy?
- How much will the policy cover per day?
- Will the insurance company pay for the rental directly or reimburse me?
- Is there a maximum coverage amount?
These questions should be asked before renting a vehicle so that costly mistakes aren’t made. For example, some policies only cover 20 dollars per day of rental car coverage. If you select a vehicle with a base rate (you’ll learn more about this below), the amount of out of pocket cost you’ll need to pay could add up quickly.
Will my insurance still cover me once I’m driving the rental?
Another “extra” that the car rental company will try to sell you when scheduling a pick-up is insurance. Referred to as Collision Damage or Loss Damage Waiver, these protection plans run between 10 to 30 extra dollars per day. This added expense is in general, a waste of money, since the that the coverage you have for your main vehicle usually extends to your rental vehicle.
To be sure, call your car insurance provider and check to make sure extra coverage isn’t needed. If your current provider agrees to cover it all, keep in mind that an accident in a rental car will usually raise your insurance rates if you have to file a claim on your own policy. So, driving responsibly is a must!
It is our hope at Orlando Auto Body that all of our customers stay safe and that you never need a rental because of a crash. But if a collision does occur, give us a call at 480-351-1734 so that we can help you get back on the road as quickly as possible.