Millions of Americans rent vehicles each year to provide temporary transportation for business or vacation trips or when their primary vehicle is in the shop. Unfortunately, a number of these drivers will get into accidents while driving a rented vehicle. Understanding how insurance coverage for rented vehicles such as SUV’s, pickup trucks, motorcycles, sedans, vans, and buses works and your responsibility when accidents involving rented vehicles occur will make these unfortunate accidents less stressful.
Rental companies will usually ask you for your insurance card if you do not take their auto insurance coverage in order to confirm that you are covered. Talk to your insurance agent about rental coverage before renting a vehicle. Your coverage is a lot cheaper than the coverage the rental company may provide.
If you decide not to opt for rental car insurance, at least make sure your own car insurance covers rental vehicles. If it doesn’t, and you get into an accident, you could personally be on the hook for some major costs. Before you rent, you should speak to your auto insurance agent to determine what type of coverage you have, if any, regarding car rentals.
Depending on your existing auto insurance, you will want to choose your auto insurance since it comes with the maximum coverage limits. It is never cheaper to take the rental company’s insurance coverage unless your own policy will not protect you. For starters, if you’re considering renting a car, go ahead and talk to an auto insurance and ask whether it is smart to purchase the insurance offered by the rental company or not.
If an accident does occur when you’re driving a rental car, remember these tips:
Since 1996, the Law Offices of Marc J. Shuman & Associates have been helping car accident victims, all injured victims, and their families navigate the complex legal process. As experienced personal injury, worker’s compensation, auto accidents, compensated and wrongful death attorneys, we can help you evaluate the facts, assess your options, navigate the legal challenges, and advocate on your behalf. We serve clients all over the Greater Chicagoland Area including Joliet, Orland Park, Naperville, Rolling Meadows, Northbrook, the surrounding areas and all the State of Illinois. CALL (800) 722-9744 Toll FREE NOW for your FREE consultation.