Understanding Insurance with a Rental Car this Holiday Season
Will Your Insurance Cover an Accident?
Thanksgiving is gone, Christmas is coming. If you are planning on renting a car when you travel for the holidays, we have some important information for you!
Driving in a different city can be frustrating. Combine that with potentially icy roads, and you need to make sure that you’re taken care of if something bad happens. As we strive to be the best auto body repair shop in Billings, we have put together a list of a few things you should remember when renting a car.
Finding the Best Rental Deals
It’s tempting to wait until you’re at your destination to head over to the rental desk in the airport to pick up a car. But be wary of two conundrums: they may be out of vehicles, and they may cost a lot more.
To get the best deals, book early. This way you know you will get your chosen style, and the best deal. If you can travel away from the airport you will get a better deal; even if you are using the same company to book with. Airports charge high fees that the rental agency passes on to the consumer.
Does my Insurance Cover a Rental Car?
There’s no one answer to this question because every policy is different. Your best bet is to simply call and ask your agent what is covered and what is not covered. It’s likely that the liability portion may cover a rental, and the medical payments, but sometimes not much else is covered.
If only the liability coverage applies to your rental, you will have to pay out-of-pocket for any damages to the rental car (liability insurance will cover the other person’s vehicle).
Does my Credit Card Cover a Rental Car?
One of the hidden perks of using a credit card is that you get some added protection. But not all cards offer the same protection. Before you book a rental vehicle, call your credit card to determine what kind of coverage you have on a rental car. Most will at least fill in the coverage gaps.
Do I need Supplemental Insurance?
Even if you have coverage, there are supplemental coverages that don’t apply to rental cars. Talk it over with your insurance agent, and see if you need to add on coverage for a short period of time while you travel. Some of that supplemental insurance may include:
Collision Damage Waiver – Sometimes called Loss Damage Waiver this is like collision coverage for the rental car. Essentially it waives the responsibility of the damage from you. It provides the most protection if your existing insurance doesn’t cover rental cars.
Personal Effects Coverage – Sometimes your homeowner’s insurance will provide this coverage. If you leave your personal belongings in the vehicle, and someone steals them, you’re protected.
Personal Accident Coverage – Most of the time you already have this, but when you’re out-of-state you may want supplemental coverage in case transportation is necessary. This coverage pays your medical bills if you’re injured in an accident.
Traveling to Billings, Montana? Think of Big Sky Collision Center
If you’re coming to Billings for the holidays, we hope that you enjoy your stay and you have a safe time while you’re here! If something terrible does happen, and you need to have a vehicle repaired, whether it is your own, or a rental, think of Big Sky Collision Center for your repair needs.