Oakview - Blackburn, Kentucky
800 Winchester Ave
Ashland, KY 41101

Your Simple Guide to Rental Car Insurance January 10, 2017

Oakview - Blackburn, Ashland
Your Simple Guide to Rental Car Insurance, Ashland, Kentucky

When you rent a vehicle, the car rental agent will ask if you want to purchase additional insurance. There are different levels of coverage that will protect you from damage, and it’s good to know the terms that apply when it comes to renting a car. Ashland Auto Sales & Rental of Ashland, KY, can help you explore your options when renting a vehicle. The company provides rental cars at a reasonable price and has an extensive inventory of vehicles, so you’re sure to find the perfect car for your needs.

Here, they offer a simple guide to rental car insurance;

  • Personal Auto Insurance: Most personal auto insurance policies extend their coverage to a rental vehicle. They also offer the same type and amount of coverage you have on your own car. For instance, collision coverage would pay for accident-related damage to the rental car you're driving.

  • Additional Rental Insurance: If your policy does not cover car rentals, you can buy additional coverage from the rental company. Most rental companies offer a collision damage waiver. It clears you of any payments for rental car damage or theft.

  • car-rentalInsurance From Credit Cards: Many credit card companies offer rental car insurance. To apply for the coverage, you must reserve the vehicle and pay using their card. Primary coverage doesn’t require you to file a claim with your regular auto insurance company. Secondary coverage would only pay your deductible.

  • Insurance From Work: Most companies provide a commercial auto insurance policy that covers their employees when they’re on a business trip. Or, you may use your own insurance policy and then seek reimbursement from your employer's insurance company.

  • Buying Rental Insurance: If you don't have personal auto insurance and your employer does not provide it, you can buy a policy from the rental company. You can choose from four types of coverage: collision damage waiver, liability insurance, personal accident insurance, and personal effects coverage.

Whether you’re looking for used cars for sale or the best car rental deals, trust the experts at Ashland Auto Sales & Rental. Call them today at (606) 324-1644, or visit them on Yelp! for more information.