Car Rental Insurance

Should You Buy Extra Car Rental Collision Insurance?

Do I need rental car insurance?

Not sure whether to buy insurance at the car rental counter? Here's how to figure out what the smart move is.

When You Don't Need Supplemental Car Rental Insurance

If you're like most Americans, you can skip the collision damage waiver offered at the rental counter, as it likely duplicates coverage you already have. This guideline applies if:

  1. You own a car. It's highly likely that your car insurance extends to rental cars. To be sure, call your insurance company and ask:

    • Do I have collision and comprehensive coverage on my policy?
    • Does my collision and comprehensive coverage extend to rental cars?
    • Are there any limits on what kind of cars I'll be covered for?
    • Am I covered for Loss Of Use and Diminution of Value?
    • What risks do I run if I file a claim for damage to a rental car?
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Get Affordable Car Rental Insurance with Sure

AutoSlash for car rental deals

When it comes to car rental insurance, it's always better to be safe than sorry.

Don't know if you need insurance? First, determine whether you are already covered for rental car collision damage. If it turns out that you need supplemental coverage, know that there is a reliable, less expensive alternative than the insurance you'll be offered at the rental counter.

AutoSlash is excited to announce a partnership with Sure to offer exceptional rental car coverage at a truly fantastic price.

What makes Sure such a great option? Sure tells us that:

  • Sure offers inexpensive plans that start as low as $6 per day (depending on your state) — that's less than half the price that rental car companies charge.
  • Sure's coverage is primary. That means if you have an incident, you won't have to file a claim with your personal auto insurance policy and jeopardize your premium—or pay your deductible.
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Sixteen Year Old Crashes Rental Car -- A Story that Should be Impossible

Nissan Altima Collides with Fire Truck

Imagine if you will ... a rental Nissan Altima (easy to imagine) being driven by a 16-year old (hard to imagine), where the driver possesses no license, no insurance, and ignores a stop sign because the driver has not yet passed the state's road sign recognition test. The vehicle with the right-of-way just so happens to be a fire truck. Remarkably, this happens to be a real story out of St. Louis and the outcome was predictable -- fire truck sustains damage but rental car loses the collision contest. The driver of the Nissan (and his passenger) were trapped in the car remnants and needed extrication. Fortunately, the people best at that task -- the fire department -- happened to be on hand! While the newscasts tend to focus on the damage to the fire truck that's going to be out of service temporarily for repairs, the Altima is missing much of a front end, spun around against a building, and the occupants had to be cut out of the vehicle. And while the 16- and 15-year old had minor injuries, the mother of the driver denied medical care on their behalf after extrication. How is the rental company going to view this incident?

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What to Do If Your Rental Car Is Stolen

Auto Theft

Previously, our blog addressed what happens if a rental car is broken into, as that's exceptionally common in the City by the Bay. Yet we know outright theft of the rental car itself also happens. More than 92,000 rental cars have been stolen in the United States between the beginning of 2015 and April 2018, most of them not the fault of the renter (a limited number, such as the individual carjacked by a drug dealer during a drug deal are the renter's fault). So how does a renter prepare for the possibility of rental car theft and what does one do if a rental car gets stolen while under contract?

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Tourist Causes Accident in Foreign Country, Flees Responsibility

Unhappy Campers

In a previous blog post, we noted how the concept of vicarious liability is the reason we can no longer rent from Tilden Rent A Car. Courts in many nations have since ruled that the liability of rental car companies for actions of drivers is routinely limited, especially when drivers make egregious deviations from the law. That's the case in New Zealand, where a story recently made global news after a head-on collision caused by a tourist resulted in financial harm to a local resident. The tourist fled the country and the local resident (of course) blamed the rental car company instead. When condensed, the New Zealand story is a simple one of insurance and has lessons for all rental car users, both domestically and abroad.

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