There has been on going debates about the importance of taking rental insurance, when you are renting an automobile. Many believe that their own car insurance will cover them while they are driving a rental and other feel that the credit card they use to rent the car offers them protection. Somethings that you should take into consideration is that rental companies only push this rental insurance for two reasons; the first is so that they will make extra money on your rental and the second is so that the rental insurance will protect their car. In the end, their car is all that is important to them.

The following are some of the most common questions that people have about this type of insurance and the answers may surprise you.

AM I COVERED UNDER MY OWN CAR INSURANCE, EVEN IF DRIVING A RENTAL CAR? This is a big YES! Almost all car insurance companies will cover you, even when you are driving a rental car. I would, however, suggest that you contact your insurance company prior to getting your rental just to be 100% sure.

WILL THE CREDIT CARD THAT I USED TO RENT THE CAR COVER ME FOR ANY DAMAGES? There is not straight yes or no answer for this question. Most of the major credit card companies do offer additional rental insurance, however you should always check prior to using it for your rental.

IF I FIND OUT THAT I AM COVERED UNDER MY OWN CAR INSURANCE AND MY CREDIT CARD COMPANY SHOULD I STILL TAKE OUT THE CAR RENTAL INSURANCE? NO, NO, NO….Although many companies will tell you that you are not covered under any insurance but theirs, this is absolutely not true. The truth is, the insurance coverage that is offered from a rental car company will provide you will no covers that you are not already be offered through your insurance and credit card companies.

It is important to determine whether or not you need to purchase this coverage before you show up to rent your next vehicle. Understanding that you are covered in other ways will make you feel more secure when refusing the rental agencies insurance coverage.

Budget Rent a Car is the best site to check out if you are looking for a car rental Surfers Paradise. They are the leading rental car agency in all of Australia.

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