Should You Add Rental Car Coverage?

When you’re renting a car, you may be offered rental car insurance coverage. This coverage may be offered by the rental car company or your own auto insurance provider. So, do you need it? Our team at Green Family Insurance Inc. in Illinois has the answers.

What is Rental Car Coverage?

Rental car coverage is optional insurance that you can purchase when you’re renting a car. It is generally cheap, and it covers damages to the rental car, as well as third-party property damage and personal injuries that you may cause while driving the rental car.

Do You Need Rental Car Coverage?

Whether or not you need rental car coverage depends on several factors. For example, if you have an extensive auto insurance policy, it’s likely that your policy will extend to cover damages to a rental car. However, if you only have the minimum amount of auto insurance required by your state, then your policy probably will not cover damages to a rental car — in which case, you would need to purchase rental car coverage.

Additionally, most rental cars come with minimal liability insurance coverage from the rental car company. So, if you cause damage to the rental car or someone else’s property while driving, the rental car company’s insurance will cover the damages up to a certain limit. However, if the damages exceed the limit, you will be responsible for paying the difference.

You Need Rental Car Insurance

All in all, adding rental car coverage to your insurance plan is a smart move. It’s affordable and it can save you a lot of money down the line if you’re ever in an accident. So, if you live in Illinois and you don’t have this type of coverage, now is the time to add it. Contact us at Green Family Insurance Inc. in Illinois to get started.