The typical rental car company pushes insurance at the time of checkout yet plenty of customers pass on it. Some drivers assume their auto insurance applies to rental vehicles. Others assume nothing bad will happen while renting the vehicle and roll the dice by driving without rental car insurance. This is a mistake! It is imperative you obtain rental car insurance. Otherwise, you will be susceptible to all sorts of risks and dangers from theft to injury, auto accidents and beyond.

1. Crashes and Car Theft

The collision damage waiver provided by rental car insurance eliminates your potential liability for damage to the rental vehicle. This waiver also takes you off the hook for car theft to boot. This way, if either such scenario unfolds, the rental car company won't pursue damages against you.

2. Damage Done to Others

If there is an accident, the supplemental liability protection will cover the cost of damages to other vehicles and property up to a million dollar limit. Even if your auto insurance applies to rental cars, you might have limited liability coverage that puts you in a financial hole in the event of an accident.

3. Injuries to You

Get rental car insurance and you will have coverage for your own costs as well as passenger costs if there is an accident. These costs include the ambulance as well as medical care and death benefits. This coverage is especially important for those who do not have health insurance or have minimal insurance. The death benefits will prove especially appealing for those who do not have a life insurance policy.

4. Consider an Instance in Which Your Valuables are Stolen From the Rental Vehicle

Imagine flying to an exotic locale, renting a nice vehicle, leaving your items behind while you take in the scenery and suffering a vehicle break-in. You lose your smartphone, digital camera, laptop and portable gaming system. If such a nightmare scenario were to unfold, you would not have to panic if you secured rental car insurance. The rental car company's personal effects coverage accounts for the cost of your belongings if they are taken from the vehicle. This coverage reinforces you up to a certain amount of money. Keep in mind there is no other form of insurance that would provide compensation for theft of personal items from a rental car.

Contact Us Today for More Information About Money-Saving Insurance

Reach out to us today at Kyle Insurance Group - Affordable American Insurance to determine if your current auto insurance coverage applies to rental cars. We can also tell you about our additional forms of insurance. You can reach us by dialing 303-465-9500.