With millions of people on American roadways every day, it is only a matter of time before everyone experiences being in an accident. Unfortunately, the more you travel the higher your chances become and that is why if you’re out of town, for any reason, having the proper insurance coverage on a rental car is of paramount importance. This is why rental companies offer you the option to purchase one of two types of insurance.
The first type of insurance is either included in the costs of the rental or can be had for a very affordable premium. It is considered the most basic of insurance and only covers the other vehicle in the event of an accident (such as liability coverage in your own vehicle). However, if you choose this insurance you will be responsible to pay back the cost of repairs on the vehicle that you’re driving and will likely be responsible for at least a portion of any medical bills. This can be covered by your own personal insurance in some instances, but may not be.
Other than the basic insurance, you have the option to purchase a full coverage insurance that will cover all the costs associated with any accident. This means that even if you are at fault, the medical and the repair costs will be covered by the rental company’s insurance. This is by far the best option for rental car insurance as you will not have to pay anything out of pocket. However, the costs of this insurance can quickly become too much to pay for as the premium is generally much higher than the basic coverage insurance and will run anywhere between $20.00 and $60.00 per day.
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