Options For Rental Car Insurance In Pennsylvania?

Answer 1

There are several points about car insurance that can be confusing when it comes to renting a car in Pennsylvania. For the most part, Pennsylvania rental car insurance regulations are similar to the regulations that exist in other states, and there is really no unique or surprising legislation present. Like most states, all cars that are driven on the road in Pennsylvania must have, at the very least, some type of liability insurance coverage. This can be coverage from an existing policy, or it can be temporary insurance that is purchased through the rental agency.

One thing to understand about rental car insurance in Pennsylvania is that, in many instances, auto insurance coverage that is held in good standing by the driver for a personal vehicle will also apply to a rental car. This is only true for personal insurance, however, and the coverage does not necessarily apply for insurance that is held through an employer or business. There are so many different types of insurance policies, however, that it is best to actually talk to the company providing insurance before relying on the coverage for a rental car. This is because there are some policies that will not cover a rental car, and there might also be restrictions on the coverage based on where the car is driven and the type of car that is rented.

The company that is providing the rental vehicle usually offers temporary insurance coverage to the driver at the time the car is rented. This is mandatory if the driver does not have any insurance. The rental company insurance can also be taken in addition to personal insurance in order to provide extended coverage in case of an accident or injury. One situation where this might be valuable is when the rental company offers a waiver for loss damage or collision damage. These waivers remove the possibility that the driver can be charged or sued later for damage to the car or loss of revenue to the rental company while the car is being repaired.

A less frequently used option for rental car insurance in Pennsylvania is to rely on coverage provided by a major credit card company. When a car is rented with a major credit card, often there is some insurance coverage provided by the credit card company. This might be an actual policy that can cover liability and personal injury costs, or more likely it is supplemental coverage that will protect the driver from damages above what a personal policy will pay for. It is best to check with the credit card company for the terms and conditions of the rental insurance coverage.