Things to Consider When Renting a Car

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As summer is approaching many people are beginning to plan vacations. Though most people do realize they may be renting cars throughout their vacation they do not usually contemplate very much about car rental insurance until they are in the position of deciding whether or not to take out a temporary policy. This of course can lead to some hasty and costly decisions. Many people will stand at the rental counter trying to decide if the coverage is actually worth it. In this post, Long Island Insurance Executive, Gregg S. Marcus will explain what you need to consider when renting a car and taking out a temporary insurance policy.

There are usually four types of auto insurance offered when renting a car and this can possess some confusion. Most individuals do not know whether or not they should take out the insurance in the first place let alone which of the four options are necessary. If you begin to do your homework on car rental insurance you will realize there are a few points to consider. You should initially contact both your current insurance agent as well as the credit card company you plan on purchasing your rental with.

There are four important types of coverage offered by car rental companies and along with those; there are a few points that must be considered regarding each. A loss of damage waiver is a factor that relieves the renter of financial accountability if the car is to be damaged or stolen. When contemplating loss damage waiver coverage you should consider whether you have comprehensive or collision or your personal vehicle and what the deductible may be. Also if your credit card company offers any form of supplemental insurance.

Liability protection is the next factor to take into consideration. This is financial protection in case you are sued following an accident with the rental car. You should consider what the liability limits of your personal auto company are as well as make sure the company offers liability protection as they are required by law.

Personal accident insurance and personal effects coverage are also points to consider. This will cover your medical expenses of you and your passengers if an accident occurs, as well as provide coverage for your personal items that may be stolen from the rented automobile. If you own or are looking to rent a car in Nassau or Suffolk County on Long Island, New York, and are interested in attaining insurance or have any questions regarding car insurance, Contact Gregg S. Marcus today!

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