That awkward moment...
Now you are at the mercy of the customer service clerk (aka the sales rep).
Upside: it's the easiest thing to do.
Downside: IT'S EXPENSIVE.
"What the heck should I do?"
It's kind of like fumbling for that final penny you need at the convenience store register. People waiting on you... staring at you. But at the convenience store, there's usually a penny dish for the assist. Not here at the rental car counter. Nope. You are on your own.
Get smart ahead of time!
3 things you should know:
Most personal car insurance polices extend coverage to the car you're renting. Some big IFs: Only in the United States. Must have collision and comprehensive coverage on your policy. Deductibles Apply. Finally, Personal or Business? (It might matter.)
In addition to these "IFs" is this thought: if you have high deductibles on your personal policy, you are at the mercy of the rental car company for tiny "dings" that they say are really expensive. A tiny, almost invisible "oops" can easily be $495 according to the rental company, and that would fall under your $500 deductible. It's yours to pay out of pocket.
Finally, consider the fine print of your rental car agreement. Let's say your personal policy covers you in the rental car. You can still be held liable for "Loss of Use" and "Diminished Value" that is not covered by most personal auto polices.
2. Your credit card company may provide coverage.
Many major credit cards include rental car insurance as part of their perks. Of course, you would need to use that particular card to pay for the entire rental. But be careful. Some of these policies are excellent. Some... not so much. Coverage varies dramatically. Always make sure you get a copy of the coverage provisions in writing and ahead of time.
3. Policies offered by car rental companies vary greatly.
If you really want to be prepared, and you have the time and determination, you can get a copy of the car rental company's policy before you show up at the counter. Start with a phone call and ask if they can mail you a copy of their policy. Once you get a copy, read it. It can be a complicated highway to navigate, but knowledge is power.
1 thing you should do.
Call your local insurance agent.
Please don't call a "hi I'm in a cubicle" home office representative. This is the time you need a local agent who will take the time to ask you the questions that need asking before giving you advice. An agent who will take the time to help you figure it all out.
Ultimately, it's your decision. There is no perfect answer. Each situation is different, and any choice you make will come with an upside and a downside.
But now you can make the decision better informed. And that's better than staring at the rental clerk like a deer in the headlights.
Now, you're in charge.
Call Farcone Insurance.
30201 Aventura Ste 201
Rancho Santa Margarita, CA 92688
Toll Free: (888) 327-2663