An Independent Look at Rental Ambulance Car

When you step up to the ambulance car rental desk the rental agent will ask you if you want to buy insurance for the rental vehicle. If you say no, you will be asked to sign next to each coverage you reject. The decisions you make in these few moments could have a dramatic impact on your financial situation. Deciding if you need to buy the car insurance that is offered at the ambulance car rental desk before you arrive can prevent you from incurring a serious financial loss or losing your money on insurance you already have or do not need. One of the questions that make us more like auto insurance agents is “Do I need to buy car insurance offered at the car rental desk when renting a car?” The answer to this question is perhaps. You may be able to provide coverage for the rental car using insurance policies you already own or you may decide that you need to get additional protection. In this article we are going to give you the information you need to make these crucial decisions.
When you rent an ambulance car there are several ways to insure coverage for it without having to buy coverage at the rental car counter.
Transfer Coverage of Your Current Car Insurance Policy – If you are going to rent a car and have an existing auto insurance policy you must take your insurance I.D. Card with you when you rent the car. The car rental company may require it and can save you a lot of time and aggravation if they are pulled by the police in your rental vehicle. The coverage and deductibles of your auto insurance policy will automatically be transferred to the cars you rent, as long as you are not using the rental car for commercial purposes or renting in another country. You should review your personal auto insurance policy’s claim page to find out whether you currently have Property Damage Liability, Comprehensive Coverage, and Collision coverage. Write down your liability limit for property damage and your complete and collision deductible. If you are renting a car in another country you should definitely consider buying coverage at the rental counter as most personal auto insurance policies only cover their owners in the country where the policy was written.
Damages to your rental ambulance vehicle will be covered by the Liability portion for property damage from your personal auto insurance policy if you are renting the car for recreational use. However, if you were involved in an accident that is covered by your auto insurance policy and your car is in the store that is being repaired. The damages to the replacement car you rent will be covered by the integral coverage portion and the collision of your personal auto insurance policy. That means you will have to pay the deductible for this coverage if it damages the rental car.
Use the coverage provided by your credit card – Most major credit cards advertise car rental insurance as one of the benefits of owning your card. The truth is that the coverage that these cards provide usually only pays after your personal auto insurance policy limits have been exhausted and only if you used your card to pay the entire price of the rent. The level of protection with credit cards seems to change daily, so we recommend calling your credit card company to determine your exact level of protection for rental cars. When you speak with the credit card representative, ask them for information on liability, comprehensive and collision coverage for rental cars. It is best to get this in writing as it is not unheard of to get several different answers from the same credit card company. You should also ask if there are any exclusions. Many credit cards exclude luxury coverage or exotic car rentals.
Buying a non-owned auto insurance policy – If you rent cars frequently, but you do not have your own auto insurance policy you can save yourself a lot of money by purchasing a “non-owned car liability” policy. This policy provides you with the same type of protection as the Excessive Liability coverage offered at the rental vehicle counter. These types of policies usually cost around $ 300 a year and will cover you when you are driving any private passenger cars. This policy only provides protection for Bodily Injury and Property Damage Liability.
Personal Accident Insurance – If you or your passengers are injured in an accident or as a pedestrian, and this coverage will pay for your medical expenses and ambulance fees if needed. If you live in a “no fault” state, have health insurance or carry medical expenses coverage you probably already have this protection and do not need to buy it from the car rental company. Check your auto insurance and health insurance policy to find out for sure. A claim for this type of loss on your personal auto policy will not cause an increase in price so if it is covered on another policy there is really no benefit to buying it from the rental ambulance car company. The price of this protection usually runs from $2 to $5 a day depending on where you rent.

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