When renting a car, it’s important to think about insurance coverage. Unfortunately, accidents do happen and you want t ensure that you’re not personally liable for any damages. In turn, you will have peace of mind and be able to enjoy your vacation without having to worry about anything happening to you, or the car.
Most major credit cards include car rental insurance, but it’s important that you know exactly what your card covers as some do not cover all types of damage and you have to meet certain requirements. It pays to know exactly what kind of car insurance your card covers, as well as your personal insurance (personal insurance may cover medical expenses).
Most coverage on credit cars only covers Collision Damage Waiver. This means that the coverage will not pay for any damages or injuries that occurred to other cars and/or people. What you want to find out is that your card offers primary coverage. If you have primary insurance it means that you will be dealing with your own insurance company for the damage coverage of any rental car damage. Some credit cards only offer secondary insurance which means that you have to go first go through your own insurance company and then your credit company covers any damages left. The benefit of your credit card covering damages before your personal car insurance is to avoid your insurance premium increasing.
Another important item to note is that all credit cards are different and they aren’t created equal. As a rule of thumb, cards geared towards travelling generally have more comprehensive insurance coverage.
Your personal insurance may also cover damage to a rental car in the case of an accident, depending on the extent of your personal insurance.
More specifically, if you have comprehensive collision damage for your personal car, it may pay for damage to the rental car. Additionally, if another party is involved in the accident and both parties have liability considerations such as medical expenses, your personal coverage will kick in where your credit card wouldn’t.
If you do not have credit card insurance, the car rental company has insurance for purchase. Depending on what options you select, the main benefit is that you can be exempt from paying the deductible that your insurance, as well as your credit card insurance may require. Delta Car and Truck Rentals provides comprehensive insurance coverage and walks you through all your options. To book a car rental in the Delta, visit Delta Car Rentals.