If I Take a Trip in a Rental Car, Should I Opt for Their Insurance Coverage Even if I Currently Maintain a Full Coverage Policy on My Vehicle?

There are many things to consider when you think about getting insurance on a rental car. For the most part, your personal car insurance coverage will take care of anything that might happen to your rental car. If you possess renters or homeowners insurance, this will most likely cover any theft of personal property in the car.

However, car insurance with a rental car is not as cut and dry as we would all like it to be. If you are not paying for collision or comprehensive coverage you are not going to be covered in terms of your rental. This in turn means that, if something were to happen to the rental, you are going to be held responsible.

There are times when a gold or platinum credit card will cover the damage to rental car but this is not something you can rely on unless you are certain this is the case. There will also be many levels of fine print that will need to be understood because there are limits for this coverage as well.

- Some vehicles such as; SUVs, pickups trucks, vans, and luxury cars are usually not covered.

- Long rental periods – a few weeks for example – could not be covered.

- Drivers other than the holder of the credit card will also often not be covered.

- Also if you are in the unlikely event of getting a DUI or take the car out of the specified geographic area you probably will not be covered either.

In the end, the only thing you can do is your research. Find out the lengths of which coverage you have and decipher whether or not you are going to be covered. With the cost of rental cars on the rise, you do not want to be held responsible for damage because they are going to charge you an arm and a leg.

If you are caught in a scenario that sees a rental company trying to get money from you for damages, there is not much even an attorney can do if there is some legal clause stating you are not covered. However, if you take precautionary measures to find out whether or not you are covered with your insurance, you will know if getting their insurance is necessary.