2006-08-28 08:26:42 · 12 answers · asked by osunumberonefan 5 in Cars & Transportation ➔ Insurance & Registration
Sometimes...you need to ask your agent BEFORE you rent a car.
If not, buy the rental Car Company's insurance/damage waiver.
2006-08-28 08:33:14 · answer #1 · answered by Anonymous · 0⤊ 0⤋
Depending on where you are and other circumstances, normally your liability coverage(what pays for damages to someone else if you are at fault) transfers from your auto policy to the rental. This differs by state, and depends on why you rented it. If you rented it for pleasure then it may mean that the rental company pays. If you rented it because your own vehicle was "down" then it could be your insurance. Your collision coverage on your own vehicle will also cover damages to the rental, less your deductible.
Again, which company is primary for liability depends on what the state where you rented the vehicle says, and why you rented the vehicle. And if you bought supplemental insurance (usually called CDW) on the rental, then the collision damage is taken care of through the rental company, as you bought their insurance (which is a waste if you carry comp and collision with your own company).
2006-08-28 10:18:54 · answer #2 · answered by Chris 5 · 0⤊ 0⤋
Please don't be so absurd. How can the different driving force be a t fault once you have been using devoid of insurance and breaking countless motoring regulations? you would be prosecuted for having no insurance and fined and have a great sort of things on your licence. this might take a mutually as, yet will ensue. you will additionally get a great advantageous- this you're able to repay in smallish quantities according to month. interior the meanwhile your insurer will probable assist you to already know they have ended your coverage and you're uninsured. you additionally should tell your insurers you have a prosecution pending. you will ought to pay for the wear to the motor vehicle you hit and £10 a month is ridiculous- they might do far greater useful to get a courtroom order on your savings or any earnings you have, or bankrupt you in case you have neither. it is all slightly a large number you heavily isn't using while this all finishes, except you pays very extreme insurance- and don't anticipate the insurers to settle for £10 a month the two!! in case you could discover the money for the insurance then there will be no problem paying your advantageous, and the driving force you hit.
2016-10-01 00:21:46 · answer #3 · answered by ? 4 · 0⤊ 0⤋
The answer could be yes or no, depending on a few things. For starters, when you rent a car they ask you if you want the optional insuance coverage that they offer...if you said yes, then that coverage will take care of it. If you declined it, then you would be responsible...your insurance will cover it assuming you have collision/comp coverage. If you just have basic liability coverage, then you have a potential problem.
You should consult your insurance agent to make sure you are covered in the event something like this would happen.
2006-08-28 09:36:53 · answer #4 · answered by answerman63 5 · 0⤊ 0⤋
If you have insurance on a personal car the coverage should extend to a rental. (see temporary substitute vehicle in your policy). Your deductable will be applied just as a loss on you personal vehicle. Which brings up a good point --- the insurance the rental car people try to strong arm you into buying is not needed provided you have enough coverage limits and liability, comp and collision in place.
2006-08-28 11:22:33 · answer #5 · answered by Anonymous · 0⤊ 0⤋
If you want to use your existing insurance, you have to let your broker know ahead of time. I keep that rider on my policy all year long. It's really cheap.
However, if you buy the rental car company's insurance (which is much more expensive) and get into an accident it won't be on your insurance history, it'll stay with the rental company's. Which means your premiums won't go up.
Some credit cards offer rental car insurance as a free service, too.
2006-08-28 09:44:57 · answer #6 · answered by Anonymous · 0⤊ 1⤋
I work for an insurance company. My insurance company would cover this. The full coverage policy you have on your personal auto would cover the rental car you used. But you need to ask your agent, as insurance companies and states vary.
2006-08-28 08:48:59 · answer #7 · answered by mktobyjo 3 · 0⤊ 0⤋
Depends on your policy and also what insurance the credit card you used offers on rental cars. You'd be stuck for the deductable on your policy at least. If you are out of the country....God help u.
2006-08-28 08:30:43 · answer #8 · answered by missourim43 6 · 1⤊ 0⤋
It depends - did you buy insurance when you rented the vehicle? If you did their insurance would pay - if not - then yours - sorry!
2006-08-28 08:46:13 · answer #9 · answered by nswblue 6 · 0⤊ 1⤋
Probably depends on which country you're from.
Rental car cos. usually have a GIGANTIC excess that you will have to cough up, before they cover the rest.........
2006-08-29 01:05:08 · answer #10 · answered by maggie rose 4 · 0⤊ 0⤋