Insurance Coverage on Rental Car and Hail Damage

The best way to bring out the best of your driving experience with a rental car is to know if you are covered via current channels. They include your credit card company, insurance company plan, or renters policy. 

It’s important to understand the coverage provided by your car insurance and the rental agency. This article will address many critical points about the hail damage to your rented car.

Different Rental Car Insurance

The rental car insurance is available for you to have and to be extended to your rental car:

Rental Car Liability Insurance

Liability coverage is designed to assist you in obtaining compensation if you cause injury to another person or damage their property while driving. Suppose your vehicle insurance policy provides adequate liability coverage. In that case, purchasing additional rental car liability insurance is unnecessary.

Your insurance company may assist you in reviewing your policy and determining the liability limit. It contributes to the payment of another person’s medical expenses or property damage caused by an accident caused by your car (or your rental vehicle).

Comprehensive Car Insurance Coverage

Hail damage is covered if you have comprehensive coverage as part of your car insurance policy. The cost of the repairs or replacement is covered if it is damaged in a non-collision accident. Comprehensive coverage adds to storm damage, animal damage, and falling objects — including hail — coverage. 

In addition, hail damage may cause dents and dings to the vehicle’s body, damaged or shattered glass, and even interior water damage. Thus, comprehensive coverage is required to ensure that your vehicle is protected against hail damage.

Collision Coverage/ Loss Damage Waiver

Rental Car Hail Damage

It covers the expenses of repairing your vehicle (or rental car) if it is damaged in a collision with another vehicle or object. The deductible on your collision policy will apply.

You’re likely to come across some insurance-related phrases at the rental vehicle office. For example, the term “LDW” stands for Loss Damage Waiver. It reduces your liability if your rental car is destroyed or stolen. “CDW” is similar, except it solely covers collision-related losses.

You may also have Personal Effects Coverage (PEC) to protect your belongings. Also, Personal Accident Insurance (PAI) covers personal injuries sustained while renting a car.

Credit Card and Rental Car Coverage

Aside from your insurance company, some credit cards provide additional insurance besides your vehicle insurance if you use the card to pay for a car rental. 

Many credit card issuers provide rental vehicle insurance as an added benefit. It is prudent to contact your card company to check if they provide this kind of vehicle insurance, how much it costs, and any restrictions that may apply. There is no need to pay an additional fee for coverage that is already included.

Perfect Time to Get Rental Car Insurance Coverage 

If you don’t have full insurance, it is advisable to get liability coverage from the rental provider. In addition, you need to include comprehensive coverage to insure your car from possible damage from hail.

It’s worth considering the additional protection offered by rental insurance if one of these situations is applicable:

• Your existing policy excludes comprehensive and collision coverage;

• You are only covered by a business vehicle insurance policy; and

• You are unwilling to pay a large deductible.

Hail Free Solutions is here to provide you with a reliable hail car repair. We have a highly qualified team that will restore your car to its pre-accident condition and assist you in submitting your claims. Call us now to learn more.

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