In general, when you rent a passenger vehicle you don t need to purchase the additional insurance --

One of the most common questions we are asked at Angela Johnson Insurance is whether or not our clients should purchase additional coverage galveston vacation rentals when they rent a vehicle. When you rent a car you will be offered insurance policies as well as damage waivers by the rental car company, so it’s confusing to some as to whether or not their regular car insurance is adequate or even applies.
In general, when you rent a passenger vehicle you don t need to purchase the additional insurance — your auto insurance policy covers galveston vacation rentals you, but only for regular passenger vehicles such as sedans. Often credit card companies offer additional coverage as well. In some circumstances (like if you are a claims free driver) you may want to consider purchasing that damage waiver or extra insurance policy through your rental car company. galveston vacation rentals There are many options to protect yourself when you are required to drive a rented vehicle.
If you rent a maxi-van, a large truck or a heavy trailer, you do need to purchase additional insurance galveston vacation rentals and have the proper type of drivers’ license. The most common type of driver’s license in Texas is called a Class C, and allows holders to drive two and three-axle vehicles up to a certain weight and transport up to 16 passengers. If that describes your rental vehicle needs, then your regular auto insurance is adequate.
If you would like to rent heavy vehicle galveston vacation rentals and operate a bus carrying 24 or more people, then you require a Class B license and extra passenger insurance from your rental agency. Class A license-holders are able to tow 10,000 pounds or more (such as a large moving trailer).
galveston vacation rentals Some credit card companies galveston vacation rentals offer insurance protection if you use your credit card to pay for the rental car. Be sure to read the contract carefully and make sure you understand galveston vacation rentals the limitations and exclusions of the policy. These contracts may have special limitations and coverage may only apply if you use a rental agency approved by the credit card company.
And if you’re currently receiving a claims-free discount from your local car insurance policy, galveston vacation rentals purchasing an insurance policy from the rental car company means that in the event you’re involved in an accident your claim will be paid by your rental galveston vacation rentals car insurance, and won t count as an at-fault accident on your regular auto insurance policy.
Also known as optional vehicle protection, Collision galveston vacation rentals Damage Waivers (CDW) or Loss Damage Waivers (LDW) protect you in the event your rental car is damaged or stolen. By purchasing one of these waivers, you will not be held responsible galveston vacation rentals for a loss that results while you’re driving a rental car. These waivers galveston vacation rentals are not insurance, however, they do waive your financial responsibility for damages.
Be sure to read the waiver carefully. A CDW or LDW may include coverage for the costs you would normally occur as a result of an accident such as towing fees, storage fees and loss-of-use fees. You can safely decline a waiver if you want your regular auto insurance policy or credit card coverage to apply to your rental car. In fact, many credit card companies require that you decline an offer for a CDW or LDW if you rely on their rental car insurance coverage.
U.S. car insurance is not, unfortunately, applicable in Mexico, as they do not recognize American automobile liability policies. If you rent a car in Mexico you must purchase their insurance coverage, otherwise if you’re involved in an accident authorities will hold you criminally and financially responsible. If the accident results in injuries, you may have to remain in Mexico until officials determine who is at fault.
Angela Johnson Insurance is your car insurance specialist. If you have any questions about your current galveston vacation rentals car insurance coverage, the best way to protect yourself while you’re driving a rental vehicle, or would like to receive galveston vacation rentals a free online quote , please contact us today!