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Started By
Message
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Posted on 6/3/19 at 10:02 am to ctiger69
quote:
Why would anybody with good automobile insurance take out additional insurance on a rental car?
Good question. When you buy auto insurance it's not for the car anyway, it's for the driver. If it were for the car itself then why in a household of four licensed drivers with only two cars to drive do all drivers have to have insurance? Same thing holds true for single young boys and single young girls. The girls get the cheaper rate.
Posted on 6/3/19 at 10:30 am to Rouge
quote:
quote:
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
Correct
This is the obvious answer
This is right and wrong. Theirs would be primary, correct.
You will still end up being listed as the driver in an at-fault accident and that will be found by your insurance company. Your rates will still eventually go up once your insurance company finds it. And they will.
Posted on 6/3/19 at 10:36 am to slackster
quote:
If we're really playing this game, then all insurance is a sucker's bet.
Rental car insurance from the rental company is buying insurance on your deductible.
Everyone here would (should) agree it’s dumb in insure a $1000 TV from Best Buy for $300. But that’s what someone is doing if they’re taking out a max policy for four days of a rental.
The ONLY time I would suggest taking a max policy is when renting internationally and your personal coverage and/or credit card won’t cover any incident.
Posted on 6/3/19 at 11:11 am to ctiger69
you always buy the insurance on a rental. at least when it comes to business. personal insurance treats it differently.
This post was edited on 6/3/19 at 11:13 am
Posted on 6/3/19 at 11:17 am to donRANDOMnumbers
My insurance agent made it very easy for me to understand why you take the rental insurance. My own insurance will pay to fix all damages to rental car. Rental companies charge you until the car goes back in service. If car is in body shop, you are paying rent until the car is rentable. Personal insurance does not cover this. All of a sudden the rental insurance looked like a pretty good deal.
Posted on 6/3/19 at 11:23 am to udtiger
quote:
Because if you buy theirs, theirs is primary.
So, if you get in an at fault accident, they take the lick instead of your insurance company - and your personal rates will likely not increase.
And because I'm going to abuse it with peace of mind.
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