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Rental Cars & Insurance

by Louis Cohen on Mar 12, 2013

How many times do you question whether to purchase insurance when you rent a car on vacation?

While there are many things to consider, we will try to provide a brief summary for your review. Please call us to discuss particulars.

Are you vacationing in theUS,Canada,Puerto Rico, and/or its territories? If so, and you have a Mass auto policy, your Mass policy coverage limits will follow you. If you have collision coverage in Mass, you will have it on the rental as well – the same deductible would apply. All bets are off if your rental is out of the country as the Mass policy WILL NOT FOLLOW YOU! You should purchase coverage from the rental car company and be sure to understand what you’re getting. It’s always better to do this when making the reservation state side, as the language barrier may come into play.

Before renting a car, please check with the credit card company you will use for the rental. Most credit cards provide some coverage (called collision damage waiver). This may take care of the physical damage done to the rental but will do nothing for the bodily injury/property damage done to a 3rd party. Many credit cards limit the time to no more than 30 days for a rental. That should cover most vacations!

Please be sure to ask the rental car company who is able to drive the rental as most require all operators who will drive be listed- yes, there may be additional charges.

One thing is for sure- this topic continues to be among the most misunderstood in the insurance business.

Call us before your next vacation, we can always tag along if needed…

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