{"id":3805,"date":"2020-02-14T13:30:27","date_gmt":"2020-02-14T21:30:27","guid":{"rendered":"https:\/\/www.vernfonk.com\/blog\/?p=3805"},"modified":"2020-02-26T17:15:54","modified_gmt":"2020-02-27T01:15:54","slug":"insurance-rental-car","status":"publish","type":"post","link":"https:\/\/www.vernfonk.com\/blog\/car-insurance\/insurance-rental-car\/","title":{"rendered":"Do You Need Liability Insurance for Your Rental?"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Do You Need Liability Insurance for Your Rental?<\/h2>\n\n\n\n<p>Renting a car is convenient when you\u2019re out of town, or your vehicle is in the shop. But do you need liability insurance for a rental? If you\u2019ve ever asked yourself, \u201cDo I need to insure my rental car?\u201d read on to find out more.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does Insurance for a Rental Car Work?<\/h2>\n\n\n\n<p>When you\u2019re at the rental car counter, the clerk will offer insurance. You may be tempted to opt-out of getting coverage, but having insurance is essential. If you get into an accident while driving the rental car, having this type of coverage can be the difference between a quick call to your insurance company or being responsible for expensive repairs.<\/p>\n\n\n\n<p>Rental insurance is not legally required if you currently have coverage. If you aren\u2019t insured currently, you will need to purchase liability coverage at the very minimum.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should You Get Rental Car Insurance?<\/h2>\n\n\n\n<p>If you have regular car insurance, the limits and deductibles generally apply to the rental vehicle if you\u2019re driving it for your own personal use.&nbsp;<\/p>\n\n\n\n<p>However, the extra coverage is a good idea if:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li>Your policy does not include collision and comprehensive coverage<\/li><li>You\u2019re driving abroad<\/li><li>You\u2019re only insured under a commercial car insurance policy<\/li><li>You don\u2019t want to risk paying a high deductible<\/li><li>You\u2019re driving a business or commercial rental<\/li><li>You also need insurance for hire cars<\/li><\/ul>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/liability_insurance_rental_car.jpg\" alt=\"happy couple on the back of a car in road trip rental car insurance\" class=\"wp-image-3823\" srcset=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/liability_insurance_rental_car.jpg 1000w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/liability_insurance_rental_car-300x200.jpg 300w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/liability_insurance_rental_car-768x512.jpg 768w, https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/liability_insurance_rental_car-800x534.jpg 800w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Does Rental Insurance Cost?<\/h2>\n\n\n\n<p>The average cost for&nbsp;<a target=\"_blank\" href=\"https:\/\/www.enterprise.com\/en\/help\/faqs\/car-rental-insurance-us.html\" rel=\"noreferrer noopener\">rental car insurance<\/a>&nbsp;varies according to company and type of coverage, and it can get expensive. To be fully covered, you may pay up to $30 per day for rental car insurance. In some cases, it can cost more than the car rental rate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Types of Rental Coverage Insurance<\/h2>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Liability.&nbsp;<\/strong>Rental liability insurance covers you if you get into an accident and cause damage to other vehicles, people, or property.&nbsp;<\/li><li><strong>Loss\/collision damage waiver.&nbsp;<\/strong>The LDW covers you if your rental car is damaged in a collision. It also covers your rental car if it\u2019s vandalized or stolen.<\/li><li><strong>Personal accident insurance.<\/strong>&nbsp;If you\u2019re injured in a crash while you\u2019re driving a rental car, PAI covers the medical costs for you and your passengers.<\/li><li><strong>Personal effects coverage.&nbsp;<\/strong>This type of insurance covers you if personal items are stolen from or damaged in your rental car.<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Be Sure to Review Your Personal Auto Policy<\/h2>\n\n\n\n<p>Your insurance coverage may extend to a rental car, so check your policy or call your agent to find out. If you are involved in a crash while driving your rental car, you\u2019ll need to claim reimbursement or pay any deductibles through your insurance company.<\/p>\n\n\n\n<p>When it comes to liability insurance for your rental, having some sort of coverage in addition to your personal policy is usually better. It\u2019s best to check your policy or call your insurance company to find out which coverage extend to your rental car. Additionally, ask about any possible fees such as administrative and loss-of-use fees that the rental company may charge. Understand your existing personal coverage before you make a final decision.<\/p>\n\n\n<p><!--EndFragment-->Looking for auto insurance? At Vern Fonk you&#8217;ll find great coverage at a great price. Get a free car insurance quote today online, over the phone, or at of our offices near you.<\/p>\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.vernfonk.com\/auto-insurance\/\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/red-button-Getaquote.png\" alt=\"get a quote button\" class=\"wp-image-3812\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"tel:1-800-455-8276\"><img decoding=\"async\" width=\"200\" height=\"51\" src=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/red-button-callus.png\" alt=\"call us button\" class=\"wp-image-3810\" \/><\/a><\/figure><\/div>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/www.vernfonk.com\/locations\/\"><img decoding=\"async\" width=\"220\" height=\"51\" src=\"https:\/\/www.vernfonk.com\/blog\/wp-content\/uploads\/sites\/2\/2020\/02\/red-button-findyouroffice-1.png\" alt=\"\" class=\"wp-image-3813\" \/><\/a><\/figure><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Do You Need Liability Insurance for Your Rental? Renting a car is convenient when you\u2019re out of town, or your vehicle is in the shop. But do you need liability insurance for a rental? If you\u2019ve ever asked yourself, \u201cDo I need to insure my rental car?\u201d read on to find out more. How Does [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":3806,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[31],"tags":[],"class_list":["post-3805","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-insurance"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/3805","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/comments?post=3805"}],"version-history":[{"count":6,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/3805\/revisions"}],"predecessor-version":[{"id":3825,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/posts\/3805\/revisions\/3825"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/media\/3806"}],"wp:attachment":[{"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/media?parent=3805"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/categories?post=3805"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.vernfonk.com\/blog\/wp-json\/wp\/v2\/tags?post=3805"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}