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guest - June 20th, 2009 2:00 PM

Do i have to take the car rental company's insurance in order to rent a car from them? [br]

guest - June 20th, 2009 2:13 PM

One of the biggest ripoffs by car rental companies is the one where they sock you with unnecessary insurance charges. Car rental companies make a bulk of their profits by charging for insurance. You don't have to add to their profit line, by knowing what is important and what isn't. [br][br]As for collision damage waiver, if you have a new or used car that is close to new, and you have collision on it, you don't need their collision, since your insurance also covers the car rental. As fro the supplemental liability protection, the car rental company is obligated by law to carry the minimum amount possible. Plus, your own insurance policy provides coverage for it. However, if you do not own a car, you may want to go for this insurance.[br][br]As for personal accident insurance, and personal effects coverage are found in your home, life, and health insurance policies, and you are covered wherever you go, so you don't need either one of these policies. [br][br]What is best for you is to call your insurance company and find out ahead of time what insurance you are covered with when renting a car. Also contact your credit card company. They may offer car insurance as a benefit to you as well. [br][br]Make sure you check over the vehicle before you pull out to expose any dents or other marks. You don't want to be responsible for anything that someone else made. [br][br]

rosie - October 15th, 2009 2:34 PM

[P]is a car rental company responsable for damage on a car or liability if a cusotmer declines insurance[/P]

Cheap Car Insurance - April 22nd, 2010 11:08 PM

If you decline LDW at the rental counter and rely on your personal coverages, you probably would be responsible for paying your usual deductible. Also, a loss-of-use fee is not normally covered by personal auto insurance policies. And, personal auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of your own vehicle. If the value of your personal vehicle is less than that of the rental vehicle, you could still incur some damage responsibility.

Loss of use is a fee that is charged by the rental company if your rental car is damaged and is sent out for repair. You would be billed for the complete cost of the car rental's repair as well as loss-of-use fee for every day that the vehicle was not able to be rented. That can add up!

You should also check to see if you are covered for damage to the rental vehicle through you credit card.

The bottom line is check into everything. You can certainly save money by declining the optional waivers sold by the car rental companies, but only if you are already covered!

Cheap Car Insurance - April 22nd, 2010 11:11 PM

You can also visit car-insurance-cheap.org for more advise regarding car insurance.(just copy and paste link)

cheapwell89 - May 6th, 2010 2:13 PM

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