It is that time of year again when thoughts turn to vacation. This means you may want to rent a vehicle when you get to your destination or you may want to rent a vehicle for your great road trip. When you go online to begin your booking, you will find that after you pick your dates, location, and type of vehicle you will start to be questioned about the type of insurance you want to purchase. Premier Group Insurance in Lakewood, CO is dedicated to working for our customers to provide high-level customer service.
The answer to the question "Does my auto insurance cover rental cars" is not a simple yes or no answer. At best it is maybe. It really depends on the type and amount of insurance you carry. If you have a basic insurance policy with just liability coverage, you probably need to depend on something besides your auto insurance for coverage. If your liability level is one you are comfortable with, you won’t need any additional liability coverage but the CDW (Collision Damage Waiver) will protect the rental car in the event you have an accident.
If you have a credit card that offers car rental coverage, you can make that your primary coverage. Talk to the credit card company to find out what coverage they offer and if it will give you peace of mind.
If, however, you have full coverage on your primary vehicle, with collision and comprehensive coverage and your vehicle is relatively new, your auto insurance should provide all the coverage you will need unless you are renting an extremely expensive vehicle. When in doubt, talk to your insurance agent about the level of coverage you have and whether it is enough.
Contact Premier Group Insurance in Lakewood, CO for all your auto insurance needs.