Rental Car Insurance – Check If Your Michigan Car Insurance Policy Covers It
When on vacation or business trip, most drivers are in doubt whether they need further car insurance coverage for a rental car. The right time to think about this is not when you are already in front of the rental car counter and you are really exhausted from your flight.
Usually, your Michigan car insurance already covers rental car insurance, depending on the terms and conditions of your policy. Most car insurance policies state that short-term use of a passenger vehicle is covered.
Every car insurance policy has liability coverage to pay for damages to the other party. However, if you have canceled collision and comprehensive coverage on an older vehicle, you have to purchase further coverage for rental car insurance. Moreover, your car insurance policy generally does not have coverage for a rental truck from U-Haul or the like.
You must be truthful as well as to who will drive the rental car. If you are going to need your teenager to drive, even though they may have a driver’s license, car rental companies have higher fees for young drivers and a lot of companies will not allow you to include them as a driver. Upon renting the vehicle, if the young driver is not listed, the insurance for the rental car might not cover any accident.
Remember also that a lot of credit cards have automatic coverage for rental cars if the credit card is used for the rental. Go over the fine print to determine which drivers can be covered and whether it covers the vehicle contents.
Be certain your car insurance policy covers the un-insured motorist coverage in case the other party does not have proper car insurance.
Whenever you are confronted with a new situation, you need to go over your car insurance policy to be certain that you have the sufficient coverage.
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