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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.