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One of many quite common choices amongst the numerous you may optionally get together with your car insurance coverage coverage is rental car protection. This isn’t a required protection however is one thing you may normally go for if you want. What any such protection addition does is to pay for a rental car in case your car is within the store for repairs for an prolonged time period.
However is any such protection price it? There isn’t any right reply to this query, so it’s worthwhile to have a look at what it gives and decide about whether or not or not you want or would love this extra degree of protection. There are various methods any such protection can be utilized, so let’s check out the varied eventualities 월렌트카.
Your car is concerned in an accident and shall be required to be within the store or storage for a time period for repairs. Often this time period must be a minimum of a couple of days, since this protection couldn’t be used if repairs will be accomplished in the identical day. This elective insurance coverage protection pays for a rental car so that you can use whereas your car is being repaired.
However there are a number of issues with this. To begin with is your deductible. The quantity of the deductible is subtracted from the price of the repairs plus the price of the rental car (if in case you have this protection). So in case your deductible is $500, the price of repairs is $3000 and the price of the car rental is $300, you aren’t reimbursed $3300 however solely $2800 to account on your $500 deductible.
However there’s a brighter facet to this as nicely. If the opposite driver obtained the ticket and was at fault within the accident, then the opposite insurance coverage company is liable to pay for the repairs, together with your deductible, and if in case you have rental car protection, additionally for that.
Sadly, this will get a bit extra difficult. To begin with, the quantity you pay for rental car protection is normally has a restrict, say $750. If the price of the rental is greater than the outlined ceiling quantity, you might be required to pay the extra quantity. Additionally, your insurance coverage company will solely reimburse for a “related” car. So in case your VW is within the store, your insurance coverage company will solely reimburse you for a “related” car like a compact, and wouldn’t reimburse you on your rental of a Corvette.
Be very conscious of what the car rental agency goes to cost you for the rental car. In case your insurance coverage protection will solely reimburse say $25 a day for the rental car, you might find yourself paying parts of it if the car rental company is charging you $32 a day.
Backside line: the car rental protection in your car insurance coverage coverage may be very cheap, however on the identical time, it isn’t free. Should you want it, it’s nice to have it however it’s worthwhile to resolve if you’re prone to want this sort of protection.