Car Rentals In Hawaii
First, most U.S. drivers already carry auto insurance which will provide full or partial protection while driving a rental car (within certain dollar limits and coverage only for rentals within the United States and, sometimes, Canada). Some insurance policies only cover rental cars while your car is being repaired, while most do not cover certain types of vehicles, as luxury cars or vans. Check your personal insurance policy for these limitations and exclusions.
Even with these limits, your insurance personal automobile is the primary source of coverage if you have an accident or injured while driving a rental car. Other types of coverage, policies such as credit card and optional insurance the rental company offered at the time of booking will be subrogated. This means that not apply before reaching the maximum of your own automobile insurance coverage. Also, be aware that your auto insurance rates individual may increase if you apply for damaging a rental car.
Some states have legislation in place requiring companies Rental inform you that their insurance cover in May duplicate your automobile insurance policy, although these laws do not specify how you must be notified. The best way for you to do is to talk directly with your insurance agent car before renting a car and ask questions.
What geographic area does my policy provides coverage for rental? (Generally, policies cover Auto USA and Canada only.)
How much liability coverage do I now? (If you have an old car, for example, you may do the minimum amount of liability coverage is required by the laws of your state, a level which may be enough to protect you against the risk of completely replacing a brand new hire car or perhaps even worse, with a claim of excessive injuries.
How much is my deductible? (Are you willing to pay this amount in your pocket if you must file a claim for damaging a rental car?)
Does my policy cover that the value of the vehicle (s) listed on my policy? (If yes, you should compare this value to replacement cost of the type of car you rent.)
Does my policy cover theft and collision damage? (Most U.S. drivers already carry collision coverage which can replace the protection sold by the rental companies of cars.)
Ultimately, the decision to take or not to buy optional insurance with a rental company car is yours, of course. Think carefully about the value of insurance against the cost and keep in mind information above and take a decision with all the facts.
Michael Russell
Your Independent guide to Car Rental
Hawaii Car Rentals
