Doesn’t it seem confusing sometimes just to get yourself a rental car? There seems to be so much paperwork and so many decisions to make.

For example, should you get the collision damage waiver or not? In the event you buy additional insurance plan from the automobile rental company?

If you have ever watched people at the rental car counter, you know these are questions that most people struggle with. Sometimes you can decline additional insurance on car rentals, but there are particular instances that you should always buy the insurance. But how do you know?

One of the biggest areas of confusion is the Collision Damage Waiver (CDW) offered by the car rental company during rental. It covers damage to the rental car for anyone who is involved in an accident.

The CDW isn’t exactly insurance, and it only covers only damage to the rental car. It doesn’t cover property damage or personal injury. If CDW is purchased, the car rental company waives some or most of its right to gain from you for physical damages to the automobile.

So should you purchase the CDW the automobile rental agency pushes at you? Experts say that a lot of people don’t require it but purchase it anyway. That is a very costly mistake!

You can save yourself a lot of hassle and unnecessary cost by doing three things. First, check your personal car insurance to see what coverage carries to rental cars. Second, see if the credit card you are using offers any coverage for renting. And finally, check the options the car rental agency offers in its own policies.

Many car insurance policies include all-inclusive and collision coverage to damages to rental cars. There is no sense spending money on more if your policy includes this coverage, right? Just verify the facts with your insurance agent before you decline the automobile rental company’s additional insurance options.

Typical auto insurance policies provide liability coverage that extends to car rentals. If you injure someone within an accident while driving a rental car, your policy will often cover you. If your vehicle insurance policy will not provide these coverages when you are driving car rentals, be sure to purchase additional insurance from the automobile rental company to safeguard yourself.

In addition, many bank cards offer coverage for rental cars. If chauffeur London includes coverage for car rentals which were damaged in an accident, you don’t need to buy any other additional insurance plan the car rental company gives you.

Finally, browse the car rental policy carefully and decide whether or not your car insurance or credit card covers you. Then discuss the car rental’s coverage with the agent. Always make an informed decision. Don’t give into pressure by the car rental agent.

Deciding whether or not to pay for additional insurance coverage the car rental companies offer can be quite a tough decision. Check with your credit cards and existing car insurance policy to see if they provide rental car provisions, and if they don’t really, you’d better consider spending the extra money for additional insurance for your own protection.