If you say yes to the rental car insurance? It depends

Fair business travellers said James Smith, it is saved “tons of money over the past 30 years of decline car rental insurance optional. But he admits he could have been useful.

Smith, an economist at Asheville, NC, paid $ 1100 for damage to three rental cars over the past five years. Last year, room service damaging his car in Maui, and his car was parked in ausgeschabt Buford, Ga. In 2002, he supported a car in a cliff in Ireland.

Smith was unaware that his own car insurance have the most damage in Ireland, so it is not a right. In two other incidents, he took the franchise to pay.

Like Smith, many travellers are not sure of their insurance, if rental car into a meter. The National Association of Insurance Commissioners (NAIC) 632 consumers surveyed in September, and 42% were either thoroughly confused or had only a rough idea of insurance.

The combination of Top-state, said insurance officials, 34% of consumers interviewed by telephone rental cars bought an insurance company only to ensure they were covered.

“If a car rentals, many consumers purchase insurance and ending unnecessary waste of money,” said Walter Bell, Alabama Insurance Commissioner and NAIC president.

Tenants should check if their personal car insurance and credit card used to rent without adequate coverage to purchase additional insurance, NAIC said. Many credit cards and to cover certain rules of protection against theft, but the benefits are usually secondary to the personal car insurance or coverage of a hire car.

But, as Smith has learned the protection of credit card enterprises can be treacherous.

He says he used a Visa card, insurance of the secondary protection for the payment of rents in Ireland and Georgia, but it has not been reimbursed because he did not share the credit card company within 45 days after each incident.

And private car policy, coverage by tenants conditions that are often too. For example, they can not rent on business trips and coverage for long-term leases. Personnel policy can not for locations abroad.

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