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Rental cars : Insurance

G

gluck

Senior member
I am renting a car and hence would get a car insurance from the rental counter. I would be charging the car do my card that also provides me insurance. So should I rather skip out the insurance from the rental company and let my credit car take care of it ? Last time some one hit me car in the lot but I had rental insurance and had no problems returning the car. Does any one have any sort of experience ?
 
Really depend on what type of CC you use and what your personal insurance covers. Most of the time, you should decline the rental insurance.
 
I always get the extra insurance, but I'm not the one actually paying anyway... my company pays for it... so why not get it since I don't have to shell out the extra $$$ for it?
 
Originally posted by: fastz28
Really depend on what type of CC you use and what your personal insurance covers. Most of the time, you should decline the rental insurance.
Click to expand...
Correct.
Most credit cards offer some type of rental car insurance (as long as they are used to pay for the rental car, duh 😛), and most full coverage auto insurance programs cover rental cars as well. It would be wise to check both with your card provider or insurance agent/carrier. Don't ask the rental car company, they make fat profits off the optional insurance.
 
Have you ever damaged a rental car ? What happens when you CC insurance covers it ? What happens at the rental car counter when you return. any hastles ?
 
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