With the summer travel season in full swing you may have to answer this question: “Would you like to purchase insurance for your rental car?” Your answer may depend on the type of auto insurance policy you have. We are here to help you make an informed decision.
Before you hit the road, you may decide a rental car is a good option for the trip ahead. But before you choose a rental, you’ll need to know whether or not rental car insurance is something you need.
It’s possible you may already be covered through your existing car insurance plan with us or your credit card. Auto coverage through Lexington First Insurance LLC adequately protects you and your family for incidental use of a car that’s not your own, such as a rental of less than 45 days. The coverage extends to cars in the U.S. or Canada. It’s always a good idea to double check with your local Lexington First Insurance LLC agent beforehand since auto policies can vary drastically from person to person.
Many major credit cards also offer rental car coverage if you pay the rental fee using their card. However, this typically only covers physical damage to the rental vehicle and separate liability coverage would be needed. To know all the details of limitations and restrictions with your credit card, always contact your credit card company first.
If you have opted for higher liability limits with your personal auto insurance, you’ll be better protected. Give us a call today to learn more!