Navigating Rental Car Insurance: What You Need to Know

Personal Auto Insurance Coverage

Personal auto insurance policies in New York State generally extend coverage to rental vehicles for rentals of less than 30 days.

Policy Details Matter

Whether you need rental car coverage depends on your specific auto policy. Longer rentals might require verification with your insurance agent.

Rental Car Insurance Offerings

Rental companies typically offer four main types of coverage: liability, personal accident insurance, Collision Damage Waiver (CDW)/Loss Damage Waiver, and personal effects coverage.

CDW/Loss Damage Waiver

CDW/Loss Damage Waiver transfers financial responsibility from you to the rental company in case of damage or theft of the rental car.

Consider Personal Effects Coverage

Personal effects coverage protects personal items stolen from your rental car. Before purchasing, review your homeowners or renters insurance, as they might offer similar coverage.

If you want to know more about Rental Car Insurance, contact the experts at Scautub Agency in Ballston Avenue Scotia, NY. Click on the link below to contact us today.