Do I have to buy that high priced insurance when I go to rent a car they told me that If I wrecked car and it?

Question

was my fault I would have to buy the car !

Answer 1

Many drivers don't think about their insurance coverage until after they have an accident and call their insurance company to file a claim to help pay for car repairs, a rental car and other expenses.

Unfortunately, many insured drivers are surprised to find out that their auto insurance does not automatically cover the cost of a replacement rental car after an accident. Since the average car is in the repair shop for two weeks after an accident, it can cost as much as $500 to rent a replacement car. But, some insured drivers pay little or nothing to rent a car because of an inexpensive but often overlooked option known as rental reimbursement.

Rental reimbursement coverage is available for only $1 or $2 a month with almost every auto insurance policy, but it is bypassed frequently by those who believe they will not have a car accident or those shopping only for the lowest cost premium. The cost of a rental replacement car adds up fast, so even if you don't have an accident for eight or nine years, the coverage pays for itself when you need it most.

Sometimes working out the details of a claim with the auto insurance company can take time. Even if the accident is the other driver's fault, you may have to wait several days or longer to get the other insurance company to agree to pay for a rental car. With your own coverage, there is no waiting.

Auto Quotes: http://www.insureme.com/landing.aspx?Refby=614506&Type=auto

Ron @ InsureMe

Answer 2

I assume you are renting with a credit card. I would call your credit union. Many plans include rental car insurance. Check there first. If you are at the counter now, be safe and pay the $12-$14 or whatever it is.

Answer 3

How long do you plan to have the car in your possession? Because if its only for a few days i would say no don't get the insurance. (unless your a bad driver) Its just a money scam. But I do recommend it if you will have it for a while.

Answer 4

If you have an auto policy of your own with comprehensive and collision coverage you don't have to buy any coverage for damages to the rental car. If you damage the rental car you will have to pay them your deductible and your insurance pays the rest.

Answer 5

The apartment automobile costs will end presently when you refuse the furnish. you're able to make your determination speedy. once you agreed to the coverage, you generally occurring the words that the insurance employer ought to settle with you on actual money fee, no longer alternative. The query is, what's the actual money fee of the automobile. To gauge this extra helpful, examine your autos on your area, no longer below retail, yet attempt marketplace fee. the fee you will possibly hit upon a automobile comparable in the newspaper. locate distinctive listings for the automobile with very comparable mileage, project, and so on.. you're able to help your arguement with information. you're able to no longer have a project find different automobile corresponding to yours given which you have a Toy. Corrola. you prefer ot additionally do no longer forget that the lawyer, will maximum in all threat no longer take the case and in the event that they do, you're able to be able to pass detrimental by way of lawyer expenditures. The leverage you have is to renowned the way they be sure actual money fee, then tutor to them that the automobile's actual money fee is extra suitable than the furnish. with a bit of luck that helps. seek actual money fee in Google. attempt the link under for extra techniques. good success. Steven Gross

Answer 6

in most states if you have insurance on your car it will cover what ever car you are driving