You only get a rental if your policy specifies that you chose to pay extra to have rental car coverage. Having collision coverage is not the same thing as having rental. Collision coverage just covers the repairs to your vehicle. If you are not At Fault for the accident, the other person's insurance will provide you with a rental car.
only if you have full coverage insurance and the reason for the rental is due to an insurance claim- such as an accident.
Only if you have bought the extra coverage to have a rental. "Full coverage" usually just means you bought liability, comprehensive, and collision insurance.
You don't have to live there as long as you are listed on the policy.
only if you are renting due to an accident and have full coverage insurance
Most insurance companies do not provide rental cars, they provide reimbursement. It also has to be a noted coverage in your policy. For example, say an insurer provides a rental car at $30/day up to 30 days with a cap of $900. You would have to come up with the money upfront, then your insurance company would ask for copies of the rental contract and fees that were paid. They would then send you a check for what you paid.
Rental car coverage is an add-on, check your policy to see if you are covered - if there was another vehicle involved in the accident and the driver was at fault, his or her insurance should pick up the tab.
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.
No. By "full coverage," I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.
There are a few insurance plans that are required by law for car rental places. These include: collision damage waiver, liability insurance, personal accident insurance, personal effects coverage.
Yes, the rental co has to have insurance coverage even if you don't have one. Purchasing additional coverage from the rental co is NOT a term of the lease of the vehicle. The law requires all rental co to provide their own insurance coverage.
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.
Car hire waiver insurance typically provides coverage for damages to the rental vehicle in case of an accident or theft, as well as liability coverage for injuries or damages to others involved in the incident.