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All About Rental Car Insurance Pennsylvania

There are various type of auto insurances around you. Have you ever come across car rental insurance?

Local Companies

Maggs Jack Agency
412- 884-5800
1700 Saw Mill Run Blvd
Pittsburgh, PA

Grivner Agency
(570) 643-2222
Rt. 940 & 115 (Blakeslee Corners)
Blakeslee, PA

Thrivent Financial For Lutherans
(570) 402-2323
3004 Hamilton East
Stroudsburg, PA

Allstate Insurance
724-539-3663
1800 Ligonier Street
Latrobe, PA

Bell Insurance, Inc.
717-264-7518
1116 Kennebec Drive
Greencastle, PA

Penn National Insurance
800-388-4764
Two North Second Street
Greencastle, PA

William M. L. Etter IV Insurance, Inc.
717-263-8418
2054 Wayne Road
Chambersburg, PA

Schlichter Financial Services
717-264-2012
25 Penncraft Avenue
Chambersburg, PA

Daniel H. Suitch Insurance Agency, Inc.
(570) 443-7880
105 Berwick St.
White Haven, PA

Fairway Motors
(570) 956-9807
Rt. 309 North, P.O. Box K
Hazleton, PA

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There are various type of auto insurances around you. Have you ever come across car rental insurance?

First of all, most U.S. drivers already carry auto insurance which will provide full or partial protection while driving a rental car (within certain dollar limits and coverage only for rentals within the United States and, sometimes, Canada). Some insurance policies only cover cars rented while your own car is being repaired, while most do not cover certain types of vehicles, like luxury cars or vans. Check your own personal policy for these limitations and exclusions.

Even with these limitations, your personal auto insurance will be the primary source of coverage if you have an accident or suffer injury while driving a rental car. Other types of coverage, such as credit card policies and the rental company's optional insurance offered at the time of the booking, will be subrogated. This means it will not apply until you have reached the maximum of your own auto insurance coverage. Also, be aware that your personal auto insurance rates may increase if you file a claim for damaging a rental car.

Some states have legislature in place requiring rental companies to inform you that their insurance coverage may duplicate your personal auto policy, though these laws do not specify how you must be notified. The best way for you to do is to talk directly with your auto insurance agent before you rent a car and ask the following questions.

What geographical area does my policy offer rental coverage in? (Generally speaking, auto policies cover the U.S. and Canada only.)

How much liability coverage do I currently have? (If you own an older car, for example, you may carry only the minimum amount of liability coverage that is required by the laws of your state, a level that may be insufficient to protect you against the risk of completely replacing a brand-new rental vehicle or, potentially even worse, paying an excessive personal injury claim.

To read the full article, visit Myhonestmechanic.com

Featured Local Company

Maggs Jack Agency

412- 884-5800
1700 Saw Mill Run Blvd
Pittsburgh, PA
http://www.jackmaggsagency.com

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