However any accident you have whether in your car a rented car or one you are borrowing could lead to an impact on your car insurance premium.

Do i need personal accident insurance when renting a car. Arborists Forestry Public Liability Insurance. If it does you can use your insurance to pay for the rental vehicle right now. Policyholders receive a tax-free lump sum if they are involved in an accident resulting in the loss of one or more limbs one or both eyes the loss of use of any of the above or some other form of permanent disability.

Its there to protect you and your family should you sustain a serious injury or die from an accident in your car. Our Price Index Shows Car Insurance Premiums Fell 108 - Did yours. Find out when coverage is needed and if you already have it.

You may reduce your responsibility for damages to or the theft of the rental vehicle by choosing any of our protection products available to you. According to Consumer Affairs the benefits provided by personal accident insurance may already be included in your health life or car insurance policies or they may be included in the coverage the car rental company provides. What does personal accident cover do.

Your insurance company then goes after the other insurance company to get reimbursed for the money they paid for your rental car. Your regular auto insurance policy likely already covers you if you are renting a car. Ad Tree Surgeon Insurance.

In many states your liability coverage includes damage to the rental car itself because its considered the rental companys property. Michael - there is an option to purchase personal accident insurance through the rental car company however I dont think I need it because I have medical insurance Reply JillDavis. Often rental coverage only lasts 30 days.

The long answer Liability insurance is provided with your rental vehicle. If you live in a state that requires liability insurance and you cause an accident while driving your rental car liability insurance would cover the costs of damages to the other car. Another option is Personal Effects coverage that pays for loss to your luggage and personal property in a car accident.