Doesn’t it seem confusing sometimes just to get a rental car? There appears to be so much paperwork and so many decisions to make.

For example, should you obtain the collision damage waiver or not? car rental company Should you buy additional insurance coverage from the car rental company?

If you have ever watched people at the rental car counter, you know these are questions that most people struggle with. Sometimes it is possible to decline additional insurance on car rentals, but there are specific instances that you need to always choose the insurance. But how do you know?

One of the biggest areas of confusion is the Collision Damage Waiver (CDW) offered by the car rental company at the time of rental. It covers harm to the rental car when you are involved in an accident.

The CDW isn’t exactly insurance, also it only covers only harm to the rental car. It doesn’t cover property damage or personal injury. If CDW is purchased, the automobile rental company waives some or all of its right to gain from you for physical damages to the car.

So should you choose the CDW the car rental agency pushes at you? Experts say that a lot of people don’t require it but purchase it anyway. This can be a very costly mistake!

You can save yourself plenty of hassle and unnecessary cost by doing three things. First, check your own car insurance policy to see what coverage carries over to rental cars. Second, see if the charge card you’re using offers any coverage for renting. And finally, check the options the automobile rental agency offers in its own policies.

Many car insurance policies include all-inclusive and collision coverage to damages to rental cars. There is absolutely no sense spending money on more if your policy includes this coverage, right? Just verify the facts with your insurance agent before you decline the automobile rental company’s additional insurance options.

Typical auto insurance policies provide liability coverage that extends to car rentals. If you injure someone in an accident while driving accommodations car, your policy will often cover you. If your car insurance policy does not provide these coverages while you are driving car rentals, make sure to purchase additional insurance from the car rental company to protect yourself.

In addition, many credit cards offer coverage for rental cars. If your charge card includes coverage for car rentals which were damaged in an accident, you don’t need to buy any other additional insurance plan the car rental company gives you.

Finally, browse the car rental policy carefully and decide whether or not your car insurance or charge card covers you. Then discuss the automobile rental’s coverage with the agent. Always make an informed decision. Don’t give into pressure by the car rental agent.

Deciding whether or not to pay for additional insurance coverage the car rental companies offer can be a tough decision. Consult with your credit cards and existing car insurance to see if they provide rental car provisions, and if they don’t really, you’d better consider spending the extra money for additional insurance on your own protection.