If you've ever had to file a claim for an auto rental collision damage waiver then you know how expensive those things can be. If the damage was your fault then you might just get a small slap on the wrist and that's it. But if you hit someone else, then you'll end up with serious injuries and possibly even death. It's important that you understand these types of things because you need them in case you get into an accident and are at fault. In many cases, people who rent from rental car companies don't think about these things because they think the coverage is meant for the other person and not them.
First off, you need car insurance. Whether you have full coverage or just basic liability coverage, you need car insurance. There are many different kinds of car insurance but most of them will cover you and your passengers in case you cause an accident. Most of the time, you'll need collision and comprehensive coverage because that covers you for any damage to the other car, even if it's your fault.
However, auto rental insurance covers you if the car that you're renting was in an accident for whatever reason. The company doesn't care why the accident happened as long as it was your fault. There are two different policies that you should be aware of. One covers you while you're renting the auto and another covers you if it was your fault.
If you have full coverage on the auto rental policy then the insurance will cover anything that the auto collects as damage. It will also cover the cost of repairs that need to be done. So basically, this will cover you if the car rental company has to pay for the damages that their car collects in an accident. However, you might have to pay additional money because the company might have to pay for damage that is beyond the rental company's control.
The second type of coverage that you'll need is a collision. Collision only covers the parts of the vehicle that is damaged in an accident. So, if you're traveling at 65 miles per hour or more, you'll need collision on both cars. So, just to be safe, always have collision on your auto.
Comprehensive coverage is what you'll need the most. Basically, comprehensive coverage is going to cover everything that the auto insures against. So, basically this coverage is a way for you to get everything that the auto doesn't. If the other car had some sort of defect, vandalism, or anything else, then comprehensive insurance will pay for the repair.
Having both collision and comprehensive coverage on an auto lease is probably going to cost you the most money. In most cases, they will require a copy of your driver's license and a copy of your payment stub to prove that you are paying for the auto. So, when you rent a car, you will be required to have your signature card printed upon signing the rental agreement. Even if your signature card is automatically sent to the auto leasing company upon signing the agreement, you still need to have it in hand because they will still need a copy of it for their records.
A signature card is an extremely important part of insurance. Without it, there would be nothing to stop someone from stealing your car keys or taking off without you knowing. Even if you don't drive that often, you should still consider getting one. Just make sure that you always keep one on you at all times.
Visa Signature Card Visa – signature card | signature card
The Signature Card – signature card | signature card
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