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We strongly recommend our clients purchase separate car rental insurance offered by the rental companies because it provides for more than just the repair of a vehicle that sustains damage because of an accident. Even if you have a personal “full coverage” auto insurance policy that would pay for a damaged vehicle less your collision or comprehensive deductible, car rental companies will also suffer rental income loss if one of their vehicles is not in service because of an accident. Therefore, the car rental driver would be required to pay out of pocket for lost income owed to the rental company for the number of days the vehicle is out of service. Also, many car rental companies want replacement of the rental vehicle not just a repair. If your current auto insurance policy does not offer replacement cost, you could be responsible for the difference between the replacement cost and the depreciated loss (Actual Cash Value) of the rental vehicle.

Find Out What Brian Linkous Can Do For You!

With over 40 years of combined knowledge and experience, Brian Linkous and his team, Michelle Reagan, and Alexandria Roberson, are here to help you with all of your family’s insurance needs.

Brian Linkous is Affiliated with Lord and Associates