What Car Insurance to Buy When Renting a Vehicle

If you are lucky or disciplined enough to live without a car, chances are you might not have any insurance at all. With the options of public transportation, biking, and other environmentally responsible ways to travel, it’s easier now than ever to get rid of your vehicle. Since you don’t drive or own a vehicle, there would be no point in purchasing car insurance.

However, there may be times when you find yourself needing to rent a car, whether it’s just for the weekend or you are planning to take a trip. At that time, it is always best to buy car insurance for yourself, especially if you don’t have any existing coverage. Making sure you are covered is an act of responsibility not only for yourself, but anyone who may be injured along with you in the case of an accident.

But there are so many different car insurance options available that it’s difficult to choose the one you’ll need. Of course you don’t want to overspend when you only require car insurance for a small amount of time. After all, the rental car isn’t yours. But it’s always important to remember that car insurance not only protects the vehicle or physical property, it protects you and anyone involved in an accident by providing you medical benefits if necessary.

The easiest and best way to protect yourself and anyone you might injure in the case of an accident is to buy all three major insurance options that most rental car companies offer. These include:

Damage Waiver: Sometimes referred to as the physical damage waiver, this option will cover you in the case of an accident by making the rental car company the responsible party for any damages incurred. In this case the car rental company will assume all responsibilities for any accidents that occur. It protects you from any liability if damages or injuries were to occur.

Supplemental Liability Coverage: While the damage waiver makes the car rental company the responsible party in the case of an accident, supplemental liability coverage will offer you coverage if you are injured in the case of an accident. It will also provide coverage for any other passengers or drivers who incurred damages or injuries in the case of an accident. T

Personal Accident Insurance: If you experience any physical harm after a car accident, a personal car accident insurance coverage will help you get the medical benefits you need.

While getting all three options may seem like overkill, it is always best to protect yourself with all the ways that are available to you. Accidents may happen at any time, and you never know the extent of damages you may experience. Always protect yourself and your loved ones from harm in any way you can.