租车保险:买还是不买

你最近租车了吗? If you have, you were probably offered additional rental insurance when you did. You were told it only costs a few extra dollars per day, 它能带来内心的平静, 如果出了什么事，它会给你经济上的保障. But is it actually necessary, or are you just throwing your money away? 当然，答案要视情况而定.

租车保险的种类

Before you can determine whether it is a good idea to spend the money on additional insurance, you ought to know something about the insurance usually offered by car rental companies. Although each company may have slightly different policies, 最常见的包括责任, 个人物品保险, and personal accident insurance as well as a collision (or loss) damage waiver. A waiver is not exactly insurance, but it can help protect you from out-of-pocket expenses.

• Liability insurance helps to cover the expenses relating to damage to another person's personal property or the cost of providing medical services to another person you injure in an accident.
• 个人 effects coverage may provide money to help pay for personal items stolen from your rental car.
• 个人 accident insurance covers the medical bills for someone inside your car who was injured during an accident.
• Collision/loss damage waivers are perhaps the most confusing option. These waivers will prevent the rental car company from charging you for repair costs or loss of revenue caused by a lengthy repair.

So, Do I Need to Buy Additional Rental Car 保险 or Not?

Now that you know a little something about rental car insurance, we need to determine if it is worth the added expense. 为了回答这个问题, 你需要检查一下你的betway东盟体育单, as it may already cover you for most of the same situations as the car rental company's insurance policy.

责任保险就是一个很好的例子. Most drivers with decent insurance policies will not need to purchase additional liability insurance for their rental car since their own policy covers any car they drive. When it comes to buying additional collision coverage, you can give it a pass as long as you have it as part of your existing insurance policy. 当然, if you are worried about your insurance company raising your rates due to a claim, 你可能还是想选择它.

That pretty much covers the cost of damage to other people's property, but what about an injury to people in your own car or the theft of your personal property?

Some drivers may already have personal injury protection or medical payment coverage as part of their existing policy. 如果你是这样的话, then you don't need to consider paying for personal accident insurance from the rental company. 然而, drivers who don't have this type of coverage or adequate health insurance may want to pay for it.

至于盗窃你的私人财产, some renters or homeowners policies provide partial compensation when a thief steals "off-premise" items. 如果您的政策不包括“外部”项目, or if you want more coverage than your policy offers, the rental company's insurance may be a good buy for you.

Are you still thinking you may need to buy more insurance for your rental car? Then it is time to give your credit card company a call. Most credit cards provide additional car rental insurance as one of their benefits as long as you use it to pay for the full cost of renting the vehicle and you adhere to the company's regulations. A representative from your credit card company can give you all the details.

Whether you are renting a car for business or pleasure, make sure your rental car company isn't taking you for a ride.

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