Do I Need Additional Rental Car Coverage?

Sacramento Rental Cars and Excess Over Collectible InsuranceAs you prepare to embark on your holiday vacation, there are a variety of things you must plan for and arrange. If you will be renting a car to travel around your destination spot, it is important that you give your insurance provider a call first. Many travelers mistakenly assume that the only way they will receive coverage for their rental car is through additional rental car insurance coverage through the rental company. However, when it comes to insuring your rental, you may already have sufficient coverage. Gathered are some helpful points of guidance so that you can make an informed decision:

  • You will receive sufficient liability protection through your regular auto insurance policy for your rental car. As long as you inform your auto insurance carrier of this rental, you will receive liability protection. Therefore, it is unnecessary that you purchase additional liability protection through the rental car company.
  • In contrast, we recommend that you opt for the loss damage waiver and collision waiver through the rental car company. This type of additional coverage will protect you from a variety of common perils, including an auto accident, a collision with a falling tree branch, theft, or vandalism.
  • No matter how convincing the front desk clerk may be at the rental car company, you do not need to purchase any more protection. The profit margin makes them great negotiators, therefore, you must be aware that this additional coverage is actually unnecessary. Walk through the doors with a purpose because you have done the necessary research and know what coverage you need and do not need.

Contact Purves & Associates Insurance Services in Sacramento for all of your California auto insurance needs. We can help you insure your rental car to the fullest. We always recommend that you buy the damage waiver when you rent a car, however, additional liability protection is unnecessary.