Prior to acquiring the keys of the hired car, the car rental agency will always ask you if you need rental car insurance. There are numerous people who agree for the insurance even before thinking that whether they actually need the extra expenses or not. However, there are really few people who actually need a separate insurance policy for a hired car. Keep in mind the following things to decide if you really are in need of insurance for your hired car.
First of all, contact your personal vehicle insurance company, and ask them if they facilitate cover for hired cars. There are many insurance companies that completely cover your liability as a driver whether you are driving your own vehicle or a rental car of a car hire agency.
Also, contact your credit card company. Your credit card company may offer coverage, making it completely useless for you to purchase insurance offered by the car hire agency. You may or may not have an automobile insurance policy, but your credit card may provide necessary coverage.
In case you do not have an automobile insurance policy, and hire cars quite often, then go in for non-owned auto liability insurance instead of the insurance offered by the car hire agency. This policy provides coverage for people who drive hired cars, their friend’s cars and so. It is really useful for such people who do not have their own cars.
If you do not have an automobile insurance, your credit card company offers no coverage and you do not wish to go in for non-owned liability insurance, then you must purchase the insurance offered by the car rental agency. This is particularly suitable for such people who are visiting a foreign country on a vacation, and do not go there often.