Month: October 2024

Whether you’re renting a car for a vacation or while your vehicle is in the shop, it’s important to understand how your auto insurance coverage works. At the Daniel Fitzsimmons Agency in Willow Grove, PA, we’re here to help you navigate the ins and outs of auto insurance for rental cars.

Understanding Your Existing Auto Insurance Coverage

Firstly, it’s important to understand that your existing auto insurance policy may provide some coverage for rental cars. Typically, whatever coverage you have on your personal vehicle extends to your rental car. For example, if you have collision and comprehensive coverage, this should cover damage to the rental car.

Considering Additional Rental Car Insurance

When you rent a car, the rental company will likely offer you additional insurance coverage. This can include collision damage waiver (CDW), liability insurance, personal accident insurance, and personal effects coverage. While these coverages can provide additional protection, they may duplicate coverage you already have through your personal auto insurance or credit card.

Using Credit Card Insurance for Rental Cars

Many credit cards offer rental car insurance as a perk. This coverage typically acts as secondary insurance, stepping in to pay for costs not covered by your personal auto insurance. It’s important to contact your credit card company to understand the specifics of their coverage.

International Rentals

If you’re renting a car outside of the United States, your personal auto insurance may not provide coverage. In this case, purchasing the rental company’s insurance or using credit card insurance can provide necessary protection.

At the Daniel Fitzsimmons Agency in Willow Grove, PA, we’re committed to helping you understand your auto insurance coverage. Whether you’re renting a car for a day or a month, we’re here to help ensure you’re protected.