The chances of you getting into an accident after you rent your car is slim. The less time you will actually drive it, the less you'll be likely to crash it. I wouldn't go for it.
you can buy it from the rental company or it can extend from you personal auto insurance policy at no extra cost if your insurance company provides this coverage.
If you already have full coverage auto insurance, there is no need to purchase additional insurance for your rental car. The only event where you would need the insurance from EZ Car Rental, was if you were to get into an accident, they would cover the cost of the time lost for the rental. If you don't purchase their insurance and get into an accident, you will have to pay for the days they are out money for not being able to rent the car out.
If you have car insurance, your own policy may cover accidents in rental cars -- check with your insurer. The rental agency will also make available an insurance policy that will specifically cover you in their vehicle, regardless of what your own insurance carrier may cover. Such insurance is worth the cost, in my opinion, if for no other reason than eliminating most of the hassle if you do have an accident. Insurance purchased at the time of rental usually has a deductible, perhaps $250, that may or may not be taken out of your rental deposit. If your insurance carrier does not cover rentals, and you did not purchase insurance from the rental company at the time you rented the car, you may be legally liable for the entire cost of the car's repair
Yes - in most cases you need a major credit card. Many credit card issuers carry built-in insurance for rental cars. There is also the option to buy the optional coverages from the Rental Car company. This will add extra cost to the rental and may not always be necessary.
Buying rental car insurance from a rental car company with vary from company to company, expect about $15-$25/day.
State Farm, Geico are only two of many insurance companies that you can choose from, a lot of the car rental shops offer it as well. If you have insurance on your personal vehicle, you can add a rental to it at a cheaper cost.
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You are fully responsible for any loss or damage to a rental car. If you do not have insurance to cover this or have not purchased insurance from the car rental company, they will go after you for the full cost of the rental vehicle.
In the case of Enterprise, yes. If your auto insurance covers the cost of a car rental while your own is being repaired, that coverage typically only covers the base cost of the rental itself, and not any additional fees such as accident insurance on the rental car, additional authorized drivers, etc. Be aware that the amount that insurance policies provide for rental cars is typically much lower than the rental car would normally go for. Many agencies, Enterprise included, have special rates for insurance claim customers (which is why you are required to present a claim number from your insurance company for rental purposes), and the rental agencies are accustomed to dealing with insurance companies. Insurance rentals make up a substantial portion of rental business.
Rental Car Insurance for a Summer VacationIf you are planing on renting a car, be prepared to be asked about the extra insurance you can get from the rental company. If you already have car insurance, and your limits include comprehensive and collision, then you will be covered on your rental car, as well. That means, if you wreck the rented car, your current insurance will cover the damages. But consider this- your insurance premiums are bound to go up if you file a claim, leaving you paying for the accident for years. It may be easier to simply go ahead and get the extra insurance from the rental company and pay that flat fee, instead of chancing an accident and paying off your insurance company for years.Another thing that is important to consider is that if the rental car is not drivable for a time due to an accident that you have caused, the company may charge you an "out of service" fee. This covers the days that the car cannot be used by the company because it is in the shop being repaired. You may also choose personal effects coverage if you are traveling with personal electronics that costs a lot, or just have a lot of valuable baggage, in the event that your items are lost or stolen. This will help defray the costs of purchasing the items again if you have to file a claim.Consider rental car insurance if you are going on vacation. The small cost is worth the added security you will receive in exchange.
Yes, for residential rental property, flood insurance can be purchased up to $250,000 or the replacement cost value of the property, whichever is lesser.
Well in an apartment it's about $340 or if you're in the U.K