Find out before you leave what your personal or corporate auto insurance policy will cover since these insurance options are expensive. There's a good chance you're already covered for the collision risk. Some credit cards cover collision but it may only be a secondary coverage. Other credit cards provide primary collision coverage if you do not have collision coverage with your personal auto insurance. Collision Damage Waiver (CDW) is extra insurance priced up to $16 a day so check before you leave! Here are some important questions to ask your insurance carrier or credit card company before you step up to the rental counter:
1. Does my personal auto insurance policy cover any damage to a rental car?
2. Does my personal homeowners policy cover the theft of my personal property from a rental car?
3. Does either my personal auto insurance, homeowners insurance or employee medical insurance cover injuries from an accident in a rental car?
4. Does my credit card cover me for damages done to a rental car or for third party liability?
Don't drive unprotected under any circumstance. If you are not already covered through an existing policy or charge card, buy the car rental company's collision and liability insurance. These allow the renter's financial responsibility for damage to the rented vehicle to be waived. There is generally a per day charge for this option. Most car rental companies do not provide primary liability with the rental.
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