Boat Show Srilanka

Most of us have been there. You’re standing at a rental car counter in an airport with a long line of people behind you, and the rental company pitches their insurance coverage to you. You feel like you are under pressure to make a split second decision, and many times, you go ahead and accept these insurance add-ons just to get the process over with. However, you may be duplicating coverage you already have.

If you own a car, then your car insurance policy will almost certainly protect you against theft or damage to a rental car in the United States. And even if you don’t own a car, you may still have coverage through your credit card issuer. The quickest way to find out is to call your insurance company and / or credit card issuer and ask. With credit cards, you have to rent the car with the credit card that has the coverage in order to be protected, so be sure you pay with the right credit card.

To be on the safe side, if you had rental car insurance through your credit card five years ago, you should still call to be sure. Sometimes terms and conditions change, and you don’t want to wait until you discover a dent in your rental car to find out your credit card dropped rental car coverage last year.

If you will be renting a car in a foreign country, you need to be more careful and proactive. Your auto insurance policy may not cover rentals in foreign countries. In some countries, you should buy insurance on the rental car even if your policy covers rental cars. The added peace of mind can be well worth a few dollars a day if you’ll be where driving conditions are riskier than they are back home.