Auto Insurance Rental Insurance while on Vacation???

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Should you buy "Rental Insurance" while on Vacation??

** I would to avoid loopholes in coverage:

Going on vacation (in the U.S.) and plan to rent a car. Do I you need to purchase protection from the car rental company?
Assuming that you have a Massachusetts Personal Auto Policy, the answer is ... maybe.

1. All of your coverages go with you when are driving the rental car with permission (that means you are listed as an operator with the rental company). So, if you hit a tree, your auto policy will pay for the damage to the rented car, less your $$ deductible. Please note that you are subject to getting a surcharge for an at-fault accident.

2. If you purchase the LDW (limited damage waiver) from the rental company, they will, subject to the limitations of the LDW, waive your responsibility for the damage to the rented car.

3. Your credit card may provide some limited damage coverage. In many cases, it interfaces with your own auto policy, paying only your policy deductible (often
What happens if you wreck the car and the rental company wants you to pay $45 per day to compensate them for their lost rental income while the car is being repaired?

1. Your auto policy will not pay for this loss.
2. The LDW you purchased will cover this loss.
3. Very few credit cards will cover this loss - call your credit card company and ask.

$$ deductible. If you want to be sure - call your credit card company and ask them.


Going on vacation (outside the U.S.) and plan to rent a car. Do I need to purchase protection from the car rental company?

Assuming that you have a Massachusetts Personal Auto Policy, the answer is ... yes!
Your Massachusetts policy covers you only while driving in the US, territories, possessions, Puerto Rico and Canada. So, when traveling to Mexico or any other foreign country, be sure to arrange liability and physical damage (collision and comprehensive) coverages from the rental company. A few credit cards provide coverage overseas - none provide coverage in every country. Call your credit card company to be sure. If you have an Umbrella Policy, it may cover you. But, since all Umbrella Policies are different, you should call us for details

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