2. No Extra Insurance is Required
If the person renting a vehicle already has auto insurance, most policies will extend an equivalent coverage to the rental car without any additional fees. Before assuming that your insurance company will deliver the same coverage, give the company a call to verify what is and is not covered. In some cases, you will find that your auto policy will not cover fees that result from the rental agency losing the ability to rent the vehicle if it is damaged in an accident. In these cases, many major credit card companies will deliver quality secondary insurance on the auto as long as the card is used to secure and pay for the rental. For those who do not keep regular car insurance, almost all car rental agencies will offer insurance coverage that you can pay for as part of the rental agreement. These fees will typically be less expensive than maintaining a full auto policy for the month without a car to drive.