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Saturday, September 7, 2013
Thursday, July 12, 2012
On Buying Car Rental Insurance
I was talking to a friend of mine who is the manager of car rental franchise in Mexico. I happen to know her for many years and I was surprised to hear that every time she travels to the US or, anywhere for that matter, and rents a car she always buys all the insurance being offered. Why do you that? I asked. And her response was: "I don't want any problems whatsoever and paying a few extra dollars is worth it in this case because it gives me peace of mind and lets me enjoy and concentrate on the reason for my trip", which in her case is shopping and as we all know that is a very involved affair that needs all your concentration and bargain-hunting abilities.
Now, my friend has been in the car rental business for many years, longer than I know her, and I don't think that she has ever worked anywhere else but the car rental industry, so she knows the business inside out, and she is savvy about spending her money, so it seems to me as solid and powerful an argument for buying car insurance from the rental company as you are going to find.
Of course, there are many ways to be protected, if not from accidents to happen, at least from the expense involved... you can use your own policy which is likely to cover, at least in part, the cost you may have to incur, and at times it does not include all, or you can buy special insurance before your trip, or you can rely on the insurance that may come with the use of a credit card, and so on. However, if you just want to the least amount of problems than buying the coverage at the rental counter is the way to go. With any insurance policy you will be required to fill out forms and possibly follow up with calls, etc. Good luck trying to make effective the coverage offered by the credit card as it may take some doing. With the coverage purchased at the counter you may have to complete an accident report and, in all likelihood, you'll never hear anything else about it. That has been what I have seen, in most cases anyway. You simply walk away.
Now if you are renting in a foreign country, then the choice becomes clearer because if you do not purchase the coverage and are involved in accident - something much more likely to happen since you are in unfamiliar territory - you will be required to pay for any damage immediately, regardless of any insurance coverage you may have. The car rental company is not likely to let you walk away with a promise of payment from your insurance, and this can lead to a most uncomfortable situation, as you can imagine.
Now, my friend has been in the car rental business for many years, longer than I know her, and I don't think that she has ever worked anywhere else but the car rental industry, so she knows the business inside out, and she is savvy about spending her money, so it seems to me as solid and powerful an argument for buying car insurance from the rental company as you are going to find.
Of course, there are many ways to be protected, if not from accidents to happen, at least from the expense involved... you can use your own policy which is likely to cover, at least in part, the cost you may have to incur, and at times it does not include all, or you can buy special insurance before your trip, or you can rely on the insurance that may come with the use of a credit card, and so on. However, if you just want to the least amount of problems than buying the coverage at the rental counter is the way to go. With any insurance policy you will be required to fill out forms and possibly follow up with calls, etc. Good luck trying to make effective the coverage offered by the credit card as it may take some doing. With the coverage purchased at the counter you may have to complete an accident report and, in all likelihood, you'll never hear anything else about it. That has been what I have seen, in most cases anyway. You simply walk away.
Now if you are renting in a foreign country, then the choice becomes clearer because if you do not purchase the coverage and are involved in accident - something much more likely to happen since you are in unfamiliar territory - you will be required to pay for any damage immediately, regardless of any insurance coverage you may have. The car rental company is not likely to let you walk away with a promise of payment from your insurance, and this can lead to a most uncomfortable situation, as you can imagine.
Vacation Planning Should Include Car Rentals
Going on vacation is always a great deal of fun for everyone. Plans have to be made and suitcases have to be packed. You must then figure out what transportation will work for you as you travel to your favorite destination. Some people choose to fly there while others take a bus or train. Other vacationers drive, especially if they want to take in the scenery along the way. To make your trip more carefree, you may wish to rent a car for your journey ahead.
Choosing to rent a vehicle will not only reduce your stress levels, but you can confidently know that you are getting a vehicle that has been well maintained and is running properly, giving you peace of mind while you are traveling to your destination. Worrying about the vehicle while on a long trip should never be part of the vacationing experience for anyone. You can also purchase extra insurance offered by the rental company to ensure that you are protected in case you become involved in any accidents that most always are unplanned and unforeseen.
Car rental companies are experts in helping you with your vehicle vacationing needs. They have many makes and models as well as sizes and options available. If you gas budget is limited, no problem. You should also be aware that rental companies have very different prices for the same models and anyone is encouraged to price shop before they rent to get the best deal for their needs.
The number of people in your traveling adventure will usually determine the size and model of rental vehicle. One two or three people can comfortably travel in a compact and enjoy the benefits of saving gas during the trip. If more people are joining you, you will seriously want to step up to a larger SUV or van that can comfortably transport all your passengers and their luggage with room to spare and make sure to trip gets off to a great start.
Choosing to rent a vehicle will not only reduce your stress levels, but you can confidently know that you are getting a vehicle that has been well maintained and is running properly, giving you peace of mind while you are traveling to your destination. Worrying about the vehicle while on a long trip should never be part of the vacationing experience for anyone. You can also purchase extra insurance offered by the rental company to ensure that you are protected in case you become involved in any accidents that most always are unplanned and unforeseen.
Car rental companies are experts in helping you with your vehicle vacationing needs. They have many makes and models as well as sizes and options available. If you gas budget is limited, no problem. You should also be aware that rental companies have very different prices for the same models and anyone is encouraged to price shop before they rent to get the best deal for their needs.
The number of people in your traveling adventure will usually determine the size and model of rental vehicle. One two or three people can comfortably travel in a compact and enjoy the benefits of saving gas during the trip. If more people are joining you, you will seriously want to step up to a larger SUV or van that can comfortably transport all your passengers and their luggage with room to spare and make sure to trip gets off to a great start.
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