Insurance of the rented car in the USA

FinanceTrading / Investing

  • Author Andrew Andreeff
  • Published November 2, 2010
  • Word count 1,220

You have landed at the airport and have taken away luggage. To move further, the rented car is required to you. It is necessary for insuring.

About the beginning about car rent.

The first that is required to you for car rent, these are a driving license. Without their presence any company won't hand over you the car for rent. A Driving license received by you in the homeland, should be translated into English. In certain cases it is enough of it for car rent, but it is the most probable that the international permission (International Driver’s Permit, IDP) is required to you. Actually, the international permission is too transfer of your "native" driver's license into other languages. In advance specify, how it is possible to issue and receive IDP in your country. Getting into the car the car in the USA, you should have at yourselves simultaneously and the driver's license, and IDP (or only the driver's license in English).

If with documents everything is all right, you can reserve for yourselves the suitable car. It can be made in any travel company or on the Internet. Good online reservation service – expedia.com, she allows to compare the prices for various cars and in various interiors of hire. The majority of rolling agencies take for services the fixed payment and don't limit length of run (but necessarily check up it in the contract).

At a car choice it is necessary to consider quantity of passengers, luggage weight, fuel consumption and hire cost. Think, whether the all-wheel drive car is necessary to you. If you have visited the USA in the winter or plan to visit a hilly terrain the all-wheel drive car will appear very opportunely. Also don't forget that you should have a credit card to order and pay hire.

Well and now about insurance of the rented car.

Many companies on a car rent specify only base price, instead of a hire overall cost in prices. It often shocks people who come behind the reserved car, and see that the price for it above, than has been specified at order registration.

When you will come behind the car, to you will offer the impressive list of the various insurance. It is important to be convinced that the car is insured completely. Technical and medical aid in the USA cost much, and Americans like to address at the slightest pretext in court. If you don't have insurance you will be responsible completely for any consequences.

You should read attentively booking conditions as rent quite often differ from the point of view of insurance. Some rent can be insured only a part of the car the insurance can't cover such as the tire, aluminum wheels, or the chassis. Always to consider circumstances in which you go, and the prices which will be paid in full or the car.

The rolling agency will offer you following kinds of the insurance, each of which isn't obligatory:

  1. Insurance upon damages and stealing (Loss Damage Waiver, LDW). Formally, it not the insurance – the given document only relieves you of responsibility if the rented car has been stolen or has received damages. The document concerns only the rolling car, and anything more. Before to pay LDW, specify in the organization serving your credit card, and at the insurer of your privately owned vehicle, whether they already render you such service. The large financial companies, such as American Express, automatically give LDW at payment of rent of the car on their credit card. Similar service is given also to owners of "platinum" charts. If nobody renders you of such service it is extremely desirable to get LDW at the company which are handing over to you the car.

  2. Insurance of additional responsibility (Supplemental Liability Insurance, SLI). This insurance extends on other property which can be damaged the hired car. Also this insurance covers damages or death of other people who have suffered in failure, except you and your passengers. This insurance should be issued necessarily. Usually payments on it reach to 1 million dollars.

  3. Insurance upon accidents, so-called the Plan of personal protection (Personal Protection Plan, PPP). The given insurance extends on you and on your passengers and allows to cover expenses for treatment, urgent medical aid or the expenses connected with death. Usually given kind of the insurance it is in addition possible to insure some property which is in the car, from theft or from damage to a failure case. If you already have the medical insurance on a foreign trip, most likely, to make out PPP to you it is not necessary.

The average prices for the insurance of the rented car:

  • RSP $4.99/day

Roadside Service Plan - if gasoline has "unexpectedly come to an end or the accumulator has sat down, or keys has lost/has closed in the car it will be necessary to call by phone and"problem"will be resolved by the arrived rescuers.

  • COLLISION DAMAGE WAIVER $15.00/day

If the car it is broken or scratched, the company won't have any claims, without dependence from the one who is guilty. All trial will be limited to a writing of explanations in one two lines: "I went on road, and suddenly on me the cable column" has jumped out.

  • COMPLETE COVERAGE PROTECTION $27.95 /day

This all coverings together taken.

  • PERSONAL EFFECTS COVERAGE $7.99/day

The insurance of your things if from the car something will steal or for example if your things are damaged during failure.

Pay attention that there is still insurance PERSONAL ACCIDENT and Personal and Accident and Effect Coverage. It is necessary to understand that Accident differs from EFFECTS. Accident insures you and passengers about zdrovja/treatment/death whereas Eeffect insures only things.

  • LIABILITY INSURANCE $12.95/day

Responsibility insurance. If you have rumpled another's car or have crippled someone. This insurance doesn't cover the car on which you travel and doesn't cover your health and health of your passengers.

Pay attention that all insurance operates only in a case if "car steers according to the signed Contract".

Usually it engages:

  1. The car is conducted by the person entered in the Contract the driver

  2. Car use only within the stipulated geographical zone (it or all States entirely, or one-two next staff, or still somehow. Particularly depends on the Contract and from ðåíòîâàëüíîé offices.

  3. The car is used on road.

What does it mean?

For example, Somebody has hired the car, has bought the insurance, has given ïîðóëèòü to the friend, and the friend has driven in ñòîëáî. If ïðîêàò÷èêè learn (from police, witnesses, still somehow) that the car was conducted by the not authorized person who has been not entered in the Contract the insurance is cancelled. It is considered that it never and wasn't.

Other example. Took the car in hire. In the contract íàïñàíî: to use in California and Nevada. From Las Vegas (Nevada) have unexpectedly decided to wave in the Grandee the Canyon (Arizona) in the Canyon had an accident. The insurance doesn't work, as though it never and wasn't.

Still an example. Took a jeep. Have gone to go for a drive on sand. Have got stuck, have torn off a bumper. If the firm learns that went out of usual roads - the insurance will disappear.

Well that's all. Renting the car don't forget it to insure and happy journey!

All about insurance in the USA. My site - [http://www.insuus.com](http://www.insuus.com/).

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