Doesn’t it seem confusing sometimes just to get yourself a rental car? There appears to be so much paperwork therefore many decisions to make.

For example, should you obtain the collision damage waiver or not? Should you buy additional insurance coverage from the car rental company?

If you’ve ever watched people at the rental car counter, you know these are questions that most people struggle with. Sometimes you can decline additional insurance on car rentals, but there are particular instances that you need to always choose the insurance. But how do you know?

One of the biggest regions of confusion is the Collision Damage Waiver (CDW) offered by the car rental company during rental. It covers harm to the rental car if you are involved in an accident.

The CDW isn’t exactly insurance, also it only covers only damage to the rental car. It doesn’t cover property damage or personal injury. If CDW is purchased, the car rental company waives some or all of its right to gain from you for physical damages to the automobile.

So should you purchase the CDW the car rental agency pushes at you? Experts say that most people don’t need it but purchase it anyway. This is a very costly mistake!

You can save yourself a lot of hassle and unnecessary cost by doing three things. First, check your own car insurance to see what coverage carries over to rental cars. Second, see if the charge card you are using offers any coverage for renting. And lastly, check the options the automobile rental agency offers in its policies.

Many auto insurance policies include all-inclusive and collision coverage to damages to rental cars. There is chauffeur service & rolls Royce phantom hire paying for more if your policy includes this coverage, right? Just verify the facts with your insurance agent before you decline the automobile rental company’s additional insurance options.

Typical car insurance policies provide liability coverage that extends to car rentals. If you injure someone within an accident while driving accommodations car, your policy will often cover you. If your car insurance policy does not provide these coverages while you are driving car rentals, be sure to purchase additional insurance from the automobile rental company to safeguard yourself.

In addition, many credit cards offer coverage for rental cars. If your credit card includes coverage for car rentals which have been damaged in an accident, you don’t have to buy any other additional insurance plan the car rental company offers you.

Finally, read the car rental policy carefully and decide whether your car insurance or credit card covers you. Then discuss the car rental’s coverage with the agent. Always make the best decision. Don’t give into pressure by the car rental agent.

Deciding whether or not to cover additional insurance coverage the car rental companies offer can be quite a tough decision. Check with your credit cards and existing car insurance to see if they provide rental car provisions, and if they don’t really, you’d better consider spending the extra money for additional insurance for your own protection.