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Should you buy the rental car damage waiver?

4/5/2023

0 Comments

 
Q-Hi friends! What do you normally tell your peeps when they ask about taking the insurance out on a rental car while being on vacation? I feel like it’s such a gray area. TIA!

A-It is a temporary substitute auto, so whatever you have on your car, extends to the rental. So no collision on your own car, no collision on the rental. But also things to consider:
*With no waiver, that claim now shows up as a claim on your insurance
*The rental company MIGHT get you for diminished value of the rental car
*They could demand "loss of use" for the rental car until repaired

We tell them the coverages that extend to the rental but always recommend they take the coverages from the rental company to fill any potential voids in coverages if a claim were to arise.
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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
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  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Business >
      • Business Insurance
      • Hair Salon Insurance
      • Restaurant Insurance
      • Business Owners Package (BOP) Insurance
      • Workers Compensation
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
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    • Careers
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    • Accessibility Statement
    • News
  • Blog
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs