Here's why:
* Limited coverage: Your personal auto insurance may only offer liability coverage, which protects you against claims from others if you cause an accident. It might not cover damage to the rental car itself, or other important aspects like collision or comprehensive coverage.
* Higher deductibles: The deductible for rental car coverage under your personal policy is likely to be higher than what you'd get with the rental company's insurance. This means you'd have to pay more out of pocket in case of an accident.
* Exclusions and limitations: Your personal policy might have exclusions or limitations that don't apply to rental cars. For instance, certain types of vehicles or uses might not be covered.
* Peace of mind: Getting rental car insurance directly from the company offers more comprehensive coverage and can provide you with peace of mind knowing you're fully protected.
Instead of relying solely on your personal insurance, consider:
* Declining the rental company's insurance: If you already have good insurance coverage, you might be able to decline their optional insurance and rely on your existing policy, but be sure to thoroughly understand the terms and conditions of both your personal policy and the rental company's policy.
* Purchasing rental car insurance from the company: This will offer you comprehensive protection, including collision damage waiver (CDW), liability insurance, and personal accident insurance.
* Using your credit card: Many credit cards offer rental car insurance as a benefit. Check your card terms and conditions to see if this applies to you.
Always compare prices and coverage options before making a decision. Remember, the best approach is to ensure you have adequate protection and are comfortable with the terms and conditions of the insurance policy you choose.
