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	<title>New answer on: When Should I Buy Rental Car Insurance?</title>

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		<title>By: David Mrozek</title>

		<link>https://www.insurancelibrary.com/auto-insurance/when-should-i-buy-rental-car-insurance</link>

		<dc:creator>David Mrozek</dc:creator>

		<pubDate>Mon, 25 Nov 2013 21:01:56 +0000</pubDate>

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		<description><![CDATA[If you own a car and have your own auto insurance policy it still may make sense to carry the coverage that a rental car company offers.  Most auto insurance companies will extend the liability and physical damage coverage to a car you rent.  However, they usually will not cover &quot;loss of use&quot;.  Even though your insurance will normally fix the car, the rental company will bill you for the daily rental of that car until it&#039;s repaired and put back into service.  Your auto insurance won&#039;t usually cover this cost.  Think about it this way:  if the car costs $30/day to rent and it takes 2 weeks to fix it and put it back in service, the rental car company will expect you to pay that $420 that it could have gotten if they had the car to rent.  Their coverage will normally waive these costs.  

If you don&#039;t carry physical damage on your own car, then you also have no physical damage coverage on a rental car.  

So, if you don&#039;t have your own auto policy, or you don&#039;t have physical damage coverage on your policy, I would recommend taking the rental company&#039;s coverage.  I would also recommend it if you don&#039;t want to run the risk of having to pay loss of use charges after an accident.]]></description>

		

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