A to Z Guide on Insurance during Car Rental

Rented car is needed when you are on a trip to some other city or due to some reason you

couldn’t travel on your own car. Car Rental Mississauga industry provides car rental

facilities to people that give them convenience of travelling at the best price.

Most of the car rental companies offer additional insurance covering various damages that

may take place during travelling. People are often confused about these insurances as they

don’t know whether to purchase them or not. Here’s a simple guide to car rental insurance.

Auto Insurance

Usually, your own auto insurance provides liability coverage for rental cars too. Till the time

you are driving the rented car, it would be taken as your primary vehicle. Personal auto

insurance is a must as most of the car rental companies may deem is necessary. The auto

insurance remains the same whether you ask for a sedan or go for 12 passengers van

rental. You can surely go for additional insurance if you wish to get extra coverage.

Auto insurance generally has ‘Rental Reimbursement’ coverage for rented car. But this

coverage doesn’t entitle the insurance company to pay for the damages to or caused by

rented car.

What Does Additional Coverage Actually Means?

Before buying additional coverage from car rental companies, gain knowledge about what

type of protection they would provide. Different insurances have distinct features and

protection coverage.

Damage Waiver – This would provide you protection in case your rented car is

stolen or damaged. If, in your personal auto insurance, you have ‘Comprehensive

and Collision’ coverage then you too can get this coverage. However, this coverage

declares to be null if accident is caused by your own negligence like over speeding,

driving on unpaved road or driving while drunk.

Supplemental Liability- It provides liability protection. While driving, if your rented

car caused any damage and the person files the case against you for the damage

and injury, then this coverage will protect you. If you have liability coverage on your

personal auto insurance you can skip this coverage.

PEC – ‘Personal Effects Coverage’ provides coverage against your personal

belongings. If you have renters insurance you can forego it.

PAI – ‘Personal Accident Insurance’, as its name indicates provide you protection against any personal injury while you are driving the rental car.

Both PEC and PAI provides protection to the driver and the passengers only. If the cause of accident is your negligence then coverage would be given to other party.

Additional policies may cost you twice the amount you pay for rental car. Usually they are around $25 or more for separate coverage.

Things To Consider While You Rent A Car

Talk to your insurance agent to know if they would provide coverage for rented car also.

Some renowned credit card companies also provide protection for rental cars for free of cost

only if you use their cards. It is advisable to take your coverage documents with you just in

case you have any problem you can ask your agents about the protection during certain situation.

www.holidaycarrentals.ca avails you easy car rental in Mississauga. We provide you

quick service. Here you would find cars for different occasions at affordable rates.