California Rental Car Insurance
Posted: Wednesday, December 28, 2005
by Eric Morris
When someone rents a car, the automobile rental companies hold the renter accountable under the rental agreement for damage to their car. They offer a Damage Waiver at an extra cost. This Damage Waiver is not insurance, but a contractual agreement between the renter and rental company. If a waiver is not purchased, it is important to review your own automobile policy to determine if any extension of coverage applies. Also, establish how the liability coverage afforded by your policy applies in the event you are at fault in an accident with the rented vehicle. In California, you are required to have auto insurance regardless of whether you are driving your own car or if you are renting one.
Sometimes you are not required to purchase any car rental insurance because you are already covered by your car insurance. Usually, your coverage does remain the same with a rented car as it would if you would be driving your own vehicle. Also, you could be covered by auto insurance coverage under your credit cards. You should check with your credit card company about the coverage to which you are entitled.
Before you rent a vehicle, check the financial and insurance obligation you will face, and find out how these would be covered by your own auto insurance. In case you do need to exercise your insurance policy and realize that certain aspect is not currently covered, you should check if it would be covered under other insurance policies.
This Article has been viewed 3,155 times. (Not updated in real-time.)
Top-level comments on this article: (2 total)No, we are from Australia wanting to buy rental car insurance. This only explains about insurance if you are a U.S resident
Great article, here are several tips from me on how to get cheaper car insurance:
- Use insurance comparison site like: w w w NationalCarInsurance . info . That means once you register you'll receive a lot of offers from many insurance companies.
- Ask for group discount.Get as many insurances as you need from the same company.
- Stay insured.If you cancel your plan even for several days, some companies may consider you as high risk and you may need to pay more next time.
- Car Security Devices.Any extra security measures you take to deter thieves from stealing your car will further decrease the risks you pose to the insurance company.
- Good driving records.that will definitely lower your price.
We want your comments! If you can read this, you don't have javascript enabled, so you can't use this comment system. Please enable javascript.