When you rent a car, one thing you have to consider is whether you should pay extra for rental car insurance. Many people don’t, and some people advise against it, but the experts at American Tri-Star insurance San Diego insist there are good reasons to consider paying for it.
1. You Don’t Have Good Coverage
If you have full coverage on your own car, you probably don’t need rental car insurance. However, if you only carry liability, you should definitely consider it. Otherwise, if you are involved in a car accident with the rental and you are at fault, you’ll be stuck paying for the damages.
2. Driving Out of the Country
Many U.S. insurance agencies won’t cover you if you plan on driving a rental car in another country. If plan to drive a rental in Canada, Mexico, or overseas, it’s a good idea to spring for the extra insurance.
3. High Deductible
If you have a high deductible on your auto insurance policy, it might make sense to purchase rental car insurance, provided that the policy you buy has supplemental liability coverage. This coverage will pay any difference that your insurance can’t cover in the event of an accident, including your deductible.
4. Loss of Use
If you damage a rental car, you will likely be held responsible for the agency’s lost income while the car is repaired. Your insurance probably won’t cover that, but the rental car insurance will.
5. Avoiding Claims
If you have rental car insurance coverage and are involved in an accident, you don’t have to make a claim to your insurance agency. This means you won’t have to worry about your rates going up or your policy getting canceled.
If you’re still on the fence about purchasing rental car insurance, give the experts at Tri-Star a call. Our reliable agents can provide information on various policies, including homeowners, auto, commercial, health, and motorbike insurance in San Diego. Contact us today at 619-272-2100 for your free no-obligation quote!