Renting a car is so easy these days, you can do all the work online before you leave home. Whether you are renting locally or going on vacation, you will have to decide if you need to buy additional insurance. It isn’t as simple as it sounds since there are lots of different insurance being offered and you want to make sure you are not duplicating coverage you might have already. When you have questions about auto insurance, High Favor Insurance in Birmingham, MI has the experienced team you are looking for.
Before you decide if you need to add more auto coverage when renting a vehicle call your insurance agent and ask them if you are adequately covered. A lot will depend on your policy and its coverage and which carrier you have. There isn’t one simple answer to this question.
If you are confident your liability insurance coverage on your auto insurance is enough then you definitely don’t need to take the liability insurance the rental company will be offering. You may even have an umbrella policy that adds a layer of additional liability.
If you have a vehicle similar in value to the one you are renting, your comprehensive and collision insurance should be enough to protect you against any damage you sustain in a rental vehicle. If you don’t have collision and comprehensive coverage you should take the Collision Damage Waiver. This will free you from having to pay for any damage to the rental vehicle or theft of the vehicle. Most of these policies do have a deductible. This coverage is the only one you may want to take advantage of.
Contact High Favor Insurance in Birmingham, MI for all your insurance needs. We provide no-obligation quotes and are happy to answer any questions you may have.
