Is Additional Insurance Necessary When Renting A Car?

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   Mark Bartlett CLCS

   Branch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance Carriers

   The insurance company you currently have your auto insurance with may extend coverage to a rental car. If so you do have the option of waiving the coverage offered by the rental car agency. I recommend you contact your agent to verify if your coverage applies to a rental car since not all polices will extend to rental cars. Also depending on the state you are in there are advantages of purchasing the rental cars insurance. For example if you have a solo car accident the damage will be picked up by the rental car agency and not your own insurance carrier thereby avoiding any potential points that may apply. But again, I strongly suggest you contact your agent if you are not sure that your current insurance carrier will extend coverage to a rental car.

   Answered on October 23, 2013

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