I don t have any insurance and my credit card is a debit card as well. I don t have a car, but am re

Whether you're on a trip and need transportation in a different city or your car is in the shop and you need a set of wheels to get to work and back, chances are you'll need to rent a car. That's the easy part. But, if you're like many of us, it becomes more difficult when you're faced with the decision of whether to purchase the additional insurance aruba travel advisories or damage waiver often offered by the rental car company.
Generally, your personal auto insurance should extend to a rental car. A rental car most likely would be covered by Collision coverage or Liability coverage, depending on the state in which your policy is issued, because you're temporarily driving it and you don't own it. Basically, your policy will treat a rental like your primary vehicle while you're in possession of it.
If you have Rental Reimbursement coverage on your policy, you can only use it to rent a car if your personal vehicle on your policy is in the shop because of an accident. Rental coverage does not cover damage to a rental or damage caused while you're driving a rental.
Make sure you know what's covered if you purchase additional coverage from a rental company. Common coverages offered by rental car companies include a damage waiver, supplemental liability, personal effects coverage and personal accident insurance. In general, each provides different types of protection, as noted below. aruba travel advisories Please note that these descriptions are for informational purposes only, and coverages may vary between rental car companies.
Damage Waiver If your rental car is damaged or stolen, this coverage will apply. However, you may not be able to use it for accidents caused by speeding, driving on unpaved roads or driving while intoxicated. If you already have Comprehensive aruba travel advisories and Collision coverage, this coverage may duplicate coverage aruba travel advisories you already have on your own personal auto policy.
Supplemental Liability Provides additional liability protection, generally up to $1 million, if someone makes a claim against you while you're driving a rental car. For instance, Supplemental Liability would apply if you're at fault for an accident and the other party files a claim against you for injuries aruba travel advisories and vehicle damage that exceed your regular policy limits. Supplemental Liability coverage may also provide Uninsured and Underinsured Motorist coverage, depending on the company selling it. If you already have adequate liability coverage on your car and an umbrella policy if you own your home/auto, you may want to forego this coverage.
Personal Accident Insurance (PAI) Covers your injuries while you're driving a rental. If you already have health insurance or adequate aruba travel advisories medical coverage under your auto policy, this coverage may be unnecessary.
If you choose to purchase the damage waiver, personal accident and effects coverage, or supplemental liability protection, you could pay twice as much for your rental. Often, these types of coverage can cost up to $25 or more each, in addition to the base price of your rental.
Sometimes, credit cards offer protection aruba travel advisories for rental cars. If you're using a credit card to rent a vehicle, check with your credit card company to see if and what type of coverage is offered. It may be a built-in perk of your card, in which case you may not need to pay extra for the same type of coverage offered by the rental car company.
Remember: Be sure to ask questions and verify what's covered before you purchase additional insurance from your rental car company. Only you can decide what's best for your financial situation and peace of mind.
p rented a van to get our daughter stuff form UF, and because she n wife were going to be in the van I let the rental guy sell me everything Insurance..bad idea, the van was involved in n incident PRIOR to my rental n dates got screwed, I can only guess, they harrash me to unbelievable proportions by two Ins companies never heard before...for weeks!..never again for me..at the end called aruba travel advisories Progressive n they took care of things for a happy ending!! /p
p @robertsdeals, We rsquo;re aruba travel advisories assuming you rsquo;re asking about gap coverage for a rental car. If so, keep in mind that you rsquo;d only use gap coverage if: you rsquo;re in an accident, your vehicle is declared a total loss, and there rsquo;s a gap between what you rsquo;d get for the quot;actual cash value quot; of your vehicle and what you owe your bank or leasing company. So, you wouldn rsquo;t need it for a rental. If we misunderstood your question, please give us a call: 1-800-776-4737. /p
Keep in mind that if you do not purchase the additional insurance, you will have to meet what ever your deductable aruba travel advisories is on your regular insurance policy to repair damage you or others cause to your rental car while it is in your keeping. Just a thought to consider.
@Adam: Generally yes, your Progressive policy will cover your rental car, as long as one of the following people is driving it: you; the person listed aruba travel advisories as the second named insured on your policy; or anyone related to you who is covered by your policy. (Note: Your policy won t cover rental trucks with a Gross Vehicle aruba travel advisories Weight exceeding 10,000 pounds.) There are a few exceptions, but they generally aren t applicable to someone renting aruba travel advisories a vehicle aruba travel advisories for a short time. You can review these exceptions by logging into your policy, going to the Documents section and opening a copy of your policy contract.
@Peter: Unfortunately, your policy will only cover you in the United States, Canada and U.S. Territories. Consider asking your travel agent for names of agents who can provide you with temporary coverage while you re in Europe.
Dealership Rental Replacement vehicles apparently are different than loaner or rental car coverage. My Mercedes-Benz dealership (Schumacher European, Scottsdale AZ) will not give a free Warranty-Repair loaner Mercedes-Benz to Progressive Insurance customers. This is extremely disappointing aruba travel advisories as they will for all other insurance providers. There is a sign on the desk they said to me that a woman drove head-into traffic aruba travel advisories in one of their loaner-Mercedes and wrecked the 24K at cost car and her Progressive aruba travel advisories insurance aruba travel advisories would not cover it nor did she have the money so the dealership ate the loss. Because Progressive would not cover it, no Progressive customers may get a loaner aruba travel advisories car. I will be considering this when renewing my policy. Perhaps you should call the dealership and work it out with them Progressive.
aruba travel advisories I live in Michigan and will renting a motor cycle in South Dakota this summer. I currently have insurance on my motor cycle. Will I need to purchase renters insurance, since Michigan is a no fault state and South Dakota is not?
p @Jason: Thanks for your comment. We re sorry to hear about the restriction your dealership has in place. aruba travel advisories Generally, our auto policies cover a rental aruba travel advisories vehicle as long as the vehicle is driven in the U.S., its territories or Canada. Coverage won t transfer to moving trucks, vehicles with fewer than four wheels, or vehicles with a Gross Vehicle Weight (GVW) of 12,000 pounds. And, since coverage is not based on the vehicle type or incident details, there may have been another reason why we didn t cover the woman s claim. /p
p @Terese: The coverage you currently have for your motorcycle will transfer to a rental. Keep in mind that most rental agencies require you to carry both comprehensive and collision coverage aruba travel advisories on your policy aruba travel advisories in order to waive their insurance. To confirm your current coverage or to make any necessary changes, give us a call at 1-800-776-4737. /p p class= MsoNormal span style= color:#1F497D o:p /o:p /span /p
@Re: Rental Question: If you have a motorcycle policy, the coverages would only transfer to rental motorcycles. Since there are different coverages for each product, it would not apply to an auto rental.
I have Progressive insurance and opted out of additional insurance when I rented a car. A friend of mine backed into the car denting a bumper. Am I covered by my personal aruba travel advisories insurance policy or will I have pay for the damage out of pocket?
I don t have any insurance and my credit card is a debit card as well. I don t have a car, but am renting one while I look for one. Should I buy the car rental insurance, or can Progressive or some company insure me for the week I rent the rental and then transfer that to my new or used car?
@Shelley: We may be able to offer you a Named Operator policy through one of our local Progressive agents. A Named Operator policy offers basic liability aruba travel advisories coverage for you to drive any vehicle. and it can be changed into a regular aruba travel advisories policy when you buy a vehicle. To find a local agent that may be able to help, call us anytime aruba travel advisories at 1-800-876-5581 or visit us online at progressiveagent.com.
Generally, your personal auto insurance should extend to a rental car. A rental car most likely would be covered aruba travel advisories by Collision coverage or Liability coverage, depending on the state in which your policy is issued, because you re temporarily driving it and you don t own it. Basically, your policy will treat a rental aruba travel advisories like your primary vehicle while you re in possession of it.
@Tabatha: Your Indiana aruba travel advisories policy will cover you in the state of Florida. Just be sure you have comprehensive and collision, which are required by rental agencies. If necessary, you can call us to add these coverages before you rent a vehicle, then remove them afterward. Please note: Your coverage will not transfer aruba travel advisories to step vans, parcel delivery vans, cargo cutaway vans, vans with cabs separate from the cargo area, moving trucks and any vehicle with a gross vehicle weight of more than 10,000 pounds. If you have questions, give us a call at 1-800-776-4737.
I understand that my personal car insurance should extend to the rental car, but what if my policy is written based on the State of Alaska guidelines? Even though Alaska is part of the United States, our state is not considered contiguous if this even matters.
I will be immigrating into Canada from the USA in two months and would like to know if I can keep my Progressive Car in