Summer is in full swing! This usually means that vacations are planned and many include renting vehicles to get to your destination. If you rent a car for your trip, it is important to make sure that you are fully protected with the appropriate insurance coverage. If you think getting into an accident in your own car causes difficulties, you do not want to find out what happens when you get into an accident in a rental car or truck.
Some of the ways you can be protected begins with verifying that your auto policy covers you in a rental car, be aware that many do not cover you in rental trucks or SUVs, so clarify that with your insurance company before you enter a car rental shop.
A few other insurance products that you want to look at are the following:
- Loss-damage waiver, generally covers you in case the vehicle is stolen or damaged while you have it on your trip.
- Liability insurance allows coverage for lawsuits, in case you hit another person or damage other property.
- Personal accident insurance generally covers medical bills for you and your passengers in case of an accident.
- Personal effect coverage takes care of your personal belongings when you are in the vehicle.
It is important to ensure that you are protected when you travel for vacation. Clarify with the rental company what coverage is available and again, read the fine print. It is easy to forgo important insurance coverage when you are trying to save money, but a little forethought could save you more in the long run. If you have any questions or would like a free consultation after an accident, feel free to contact our office.