You have two possible options regarding insurance. The first one is to use the insurance offered by the car rental company. In this case, you will have to pay for the insurance cost. The second option is that if you have already got a car, the car insurance of your own vehicle may provide coverage for your rental car. In this way, you won’t have to pay an extra amount.
If you choose taking out the car rental company’s insurance, it will provide a basic insurance. This insurance provides CDW, which is not exactly an insurance, but it frees the driver from any financial liability in case of crash or lost. This contract is cancelled if you drive improperly. LDW is very similar to the previous one. SLI provides coverage against certain expenses in case you don’t have insurance. PAI covers personal accidents, of the driver and passengers.
In case you have your own car and it is insured, find out whether your insurance company provides coverage for a rental car. Make sure your policy doesn’t expire during the rental period. Find out whether your insurance company provides coverage for people who don’t have insurance, if it provides coverage for the whole car rental period, if it provides coverage while the car is in a repair shop in case of accident, if it provides coverage for the additional drivers and if it covers the medical expenses of all the persons who ride the car.
Credit cards usually provide rental car insurance, though this is not an ideal coverage, since it is too basic. You should get in contact with your credit card company so as to get further information about this. It is very convenient to ask for a written copy of the policy so that you can read it at your leisure in your own home and to consult in case you don’t understand some part of it. Remember that legal documents are often confused and ambiguous; hence, it is very important to be able to count on an expert on the subject who you can rely on, so that you can get advised.
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