When you step up to the Rental Car Counter the Rental Agent is going to ask you if you want to purchase insurance for the rental vehicle. If you say no they will ask you to initial next to each coverage that you decline. The decisions that you make in these few moments could have a dramatic impact on your financial situation. Deciding if you need to purchase the auto insurance offered at the Rental Car counter before you arrive can keep you from incurring a serious financial loss or wasting your money on insurance that you already have or do not need. One of the questions that we are asked most as auto insurance agents is “Do I need to purchase the auto insurance offered at the rental car counter when I rent a car?” The answer to this question is maybe. You may be able to provide coverage for the rental car using insurance policies you already own or you may decide you need to purchase additional protection. In this article we are going to give you the information that you need to make these crucial decisions.

When You Rent A Car There Are Several Ways To Secure Coverage For It Without Having To Purchase Coverage At The Rental Car Counter.

Transfer Coverage From Your Existing Auto Insurance Policy – If you are going to be renting a car and you have an existing auto insurance policy you should take your insurance I.D. card with you when you rent the car. The car rental company may require it and it can save you a lot of time and aggravation if you are pulled over by the police in your rental vehicle. The coverage and deductibles on your own auto insurance policy will automatically transfer to cars that you rent as long as you are not using the rental car for business purposes or renting in another country. You should check the declarations page of your personal auto insurance policy to find out if you currently carry Property Damage Liability, Comprehensive and Collision coverage. Make note of your Property Damage Liability limit and your Comprehensive and Collision Deductible. If you are renting a car in another country you should definitely consider purchasing coverage at the rental counter as most personal auto insurance policies only cover their owners in the country where the policy was written. rent a car monthly

Damages to your rental car will be covered by the Property Damage Liability portion of your personal auto insurance policy if you are renting the car for pleasure use. However, if you were involved in an accident that is covered by your auto insurance policy and your car is in the shop being repaired. Damages to the replacement car that you rent will be covered by the Comprehensive and Collision coverage portion of your personal auto insurance policy. That means that you will have to pay the deductible for these coverages if you damage the rental car.

Use Coverage Provided By Your Credit Card – Most major credit cards advertise rental car insurance as one of the benefits of owning their 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 their card to pay for the entire price of the rental. The level of protection with credit cards seems to change on a daily basis so we recommend calling your credit card company to determine your exact level of protection for rental cars. When you talk to the credit card representative ask them for information about 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 coverage for luxury or exotic car rentals.

Since there is a lot of demand for car rentals, many companies are investing in car rentals in Dubai. If you have never hired a car over there, we suggest that you follow a couple of important tips. You also need to be familiar with driving rules and general policies about car rentals in UAE. Let’s check out the tips that you may want to consider before renting a car. Read on to find out more.

1. Don’t take the vehicle outside the UAE

You cannot take the rented car outside UAE. In other words, the rules and regulations prohibit rented cars outside the boundaries of the UAE. However, if you get permission from the authorities and follow the Legal procedure, you are allowed to take it outside the UAE.

2. Know the Insurance Policy

Another important thing is that you should be aware of the insurance policy. If the rented car is damaged or lost, the insurance policy won’t provide coverage for it. So, you may want to ask the owner of the car about it. rent a car near me

3. You must have a Registered License

If you want to drive a car in Dubai, you must have a registered license. However, if you have an international driving license, you don’t have to get a UAE driving license. If you are a tourist and want to hire a car in Dubai, you have to get a valid international driving permit along with your original driving license.

4. Security Deposits

In the UAE, most rental companies may ask you to pay a security deposit before giving the car keys to you. You are free to pay with your credit card or hard cash.

5. Minimum Age Limit

The minimum age for a driver in Dubai is at least 25 years.

6. Read the Accident Policies

If you happen to have an accident while driving a rented car in Dubai, you must inform the police right away, especially if the vehicle is damaged. You may also want to inform the company so that they could handle the matter or you will have to pay for the damages.