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The whole question is this:
I rent cars on a weekly basis for almost 6 months / year, mostly in the US on behalf of my employer. In the past I have been purchasing insurance from the rental companies and my employer has been reimbursing these costs.
I recently suggested that my employer purchase car insurance on my behalf to cover my rentals and my liability as it would be much less expensive than purchasing from the rental car companies.
Here is the issue / question: My employer claims that my personal car insurance will be the primary insurance even if they were to purchase another policy to cover me. Because of this they would like me to simply rely on my personal insurance - make sure it covers rental cars - and leave it at that. My question is whether or not they are correct?
It seems to me that they should be covering me if I am working for them. It also seems to me that if an accident happens while I am working it will raise THEIR insurance rates, not my personal insurance rates. They claim that this is not the case. My personal rates would be affected even if they were covering me.
On a related note - some credit cards cover loss or damage of the rental car itself. I asked them to provide me with a card in their name - for this too they claim that it doesn't matter if it is insured on my personal card or their card. What do you think?
What else can I help you with?
Where can I get Rental Car Insurance for International Travelers?
The rental car companies should have coverage. If not check with your own insurance provider
Does your car insurance cover your budget truck rental?
No, unfortunately your own car insurance does not cover your budget truck rental. However, when you rent the truck there should be rental insurance available.
Why buy rental car insurance?
You buy rental car insurance so if you are in an accident your insurance will pay for part or all of rental car expenses if a rental car is needed. Without this insurance this will be out of pocket for you.
Why should I get rental car insurance?
You should get rental car insurance just to be on the safe side. You could end up saving a lot of money just by being extra careful and covering yourself with insurance.
Why should one get a travel car insurance?
Travel car insurance, more commonly referred to as rental car insurance, covers the costs if a rental car is damaged or stolen. One should purchase this insurance if they do not already have coverage through their own personal car insurance policy or through the credit card they are using to rent the car.
Should I get the rental car insurance?
Most auto insurance companies will extend the coverage on your personal auto policy to a rental car. The important fact is whether you have a statement or not.
Will my own car insurance cover a rental car?
Your own car insurance will only cover a rental car in some cases. It will depend on your current insurance plan. Either way, you can take out insurance for the rental car.
What states has car insurance for rental cars?
You can buy insurance from any rental car company in every state. Car insurance companies do not sell special insurance just for rental cars but most policies cover you when you are driving a rental car.
Determine What Services You Really Need?
To find the best car rental rates, you should evaluate exactly what type of car and services you need. You can easily cut the cost of your car rental quite a bit if you find that you do not need the car insurance on the rental car because your regular car insurance company or credit card company provides insurance coverage for the rental.
What should you do if you hit a parked car driving a rental and caused damage but don't have your insurance paperwork with you?
When you rent a car you usually have to pay for insurance as well so contact the rental car agency.
Where can you purchase rental car insurance?
The best place to purchase car insurance for rental cars it at the rental car company that you rent the car from. They will always give you an option to buy car insurance if you want to.
Where do you purchase inexpensive insurance for a rental car?
== == Can you answer this question, providing useful price comparisons and the like based on your own experience, WITHOUT advertising a service you yourself provide? I haven't heard of insurance companies having a policy that relates just for rental cars. My suggestion is if your personal insurance doesn't not cover a rental car, to get it directly from the rental car company that you rent from. Should you buy insurance for a rental car? No, if you already have insurance on a car you currently own, it will also cover rental cars
