Do I Need Rental Car Insurance?

When you step off the plane in sunny Tampa, the last thing you want to do is worry about having to think about something responsible. After all, you’re on vacation! That said, taking a few minutes to think out a strategy for a worst-case scenario could save you a massive hassle if and when the worst happens. That strategy begins when you arrive at the rental car location. In some cases, purchasing insurance is a great safety net for travelers. In others, it’s a waste of money and time, because you might already be covered.

Curious whether you need rental car insurance in Tampa, FL? We’ve got you covered.

Can I use my personal insurance?

Many vacationers believe that their personal car insurance will cover them if they get into a car accident, even if that car is a rental. Before you put your faith in your car insurance, double check your policy to ensure it covers rentals. From there, it’s a price game. If the deductible on your car insurance policy is high, it might be worthwhile to invest in a vacation safety net.

Can I use my credit card?

In some cases, credit card companies offer rental car insurance. To determine if that applies to one of your cards, you’ll need to contact your credit card company. If they offer rental insurance, determine the extent of the coverage and any potential limitations. You may discover that you don’t need rental car insurance coverage in Tampa, FL at all.

Don’t forget the waivers

When you rent a car, you may be asked if you want to sign an LDW and/or a CDW for an added fee. The LDW (Loss Damage Waiver) is designed to cover damage to the vehicle and car theft. The CDW (Collision Damage Waiver) applies to accidents. These aren’t technically insurance—they’re waivers. If you choose to purchase either of the add-ons, the rental company will waive their right to hold you responsible for the damage. In some cases, these cost-effective waivers can go a long way toward providing a sense of security during your vacation.

Personal coverage

In some cases, a rental car company may offer personal coverage. This generally comes in two types. Personal accident coverage covers any medical expenses you might incur in an accident while driving a rental. Personal effects coverage ensures that you are reimbursed for anything that may be stolen from the vehicle.

Come to the pros

Want to know more about rental car insurance benefits in Tampa, FL? Come to Affordable Car Insurance Tampa, where we have the premium on great rates and better service. As proud members of the local Chamber of Commerce, we take pride in making sure that Tampa’s residents are covered when they’re behind the wheel. This is a car city, and we’re happy to serve it!

Often, we can provide a quote in just 10 minutes. All you have to do is take the first step, and we’ll do the rest. Let us help you get cheap car insurance. Pick up the phone today!

Byron Johnson Blog Icon By: Byron Johnson