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One of the most common questions we have received over the years concerns insurance coverage when renting a car.  If you have an auto policy then you have liability coverage in case you injure someone or damage their property. This coverage is required to drive any vehicle on public roads. Whether you should buy insurance that covers physical damage to the vehicle you are driving is the next question.

If you have comprehensive and collision coverage on your own auto policy, then this coverage extends to a borrowed or rented vehicle in most cases. However we recommend to all our clients that they buy the insurance from the rental company for several reasons. If the rented vehicle is damaged you will have to pay rental fees on the vehicle for the time it is in the shop being repaired (typically 2-3 weeks). Your credit card can also be charged thousands of dollars for something called Diminished Value. They do this because although the vehicle has been fully repaired, when they go to sell the vehicle, it is worth less because it has been in an accident. Because of space restraints we are unable to list additional reasons for purchasing car rental insurance in this article, so feel free to contact us for more information. Also, please give us a call anytime if you have questions about your auto or home insurance.