The answers to “Would you like to add insurance coverage?” often sound like gambles and excuses to avoid additional costs. 

“Well, I put the rental on my credit card, that probably has some protection…” 

“They’re trying to upsell me, but I’m just driving to the hotel and back. What’s the worst that could happen?” 

“I have personal auto insurance, that should be enough.”

Unfortunately, all of these answers fall short. Staples & Associates always recommends that you get the rental car insurance offered when you’re checking out the vehicle at the rental car company. Here are some of the top reasons we give our clients.

Top Reasons to Get Insurance from the Rental Car Company  

Personal Auto Insurance May NOT Cover Claims
Know the limits of your personal auto insurance before you rent a vehicle, particularly if you’ll need to pay your deductible in case of an accident. Many policies exclude trucks, luxury vehicles, certain vans, and international rentals. Understand your policy, especially if you’re unexpectedly upgraded to a different car.

Think it’s too much of a hassle to find out? Clients of Staples & Associates can pick up the phone and call their agent for direct assistance. Contact us for a quote. 

Simplify the Claims Process
If you use your own personal auto insurance, you’ll have to deal with both your insurance agency, the rental car company, and the company’s insurance. Plus, your personal auto premiums could increase following an incident. Using the insurance provider associated with the rental car company is more straightforward.

Avoid Out of Pocket Expenses
Getting the rental car policy means that generally, the only uncovered expense you’ll incur is the cost of the policy itself. If you’re using your own auto insurance and an accident occurs, you’ll have to pay the amount of your deductible and wait to be reimbursed. Avoid delays, further hassles, and long-term repercussions if something goes wrong. 

Skipping rental car insurance might seem like an easy way to save money, but it can cost you much more if an accident happens. Always check with your auto policy provider before you rent a vehicle. Staples & Associates makes it easy to check your coverage. Contact an agent today for guidance.