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Rental Car Insurance Loopholes

Updated: 28 Jan 2013 02:55:10 AM

When it comes to renting a car, you've probably heard advice on avoiding the insurance coverage offered by the rental company.

That's because, more often than not, car rental companies offer insurance at outrageous rates.

Instead, a lot of us rely on the car insurance provided by our credit card companies or even have extra coverage on our car insurance policy to cover rentals.

Car-Rental-Loopholes

Get The Facts in Advance

While these may seem like great options, it's important to make sure you know all the facts before renting your next car as there are plenty of loopholes credit card companies adhere to in order to avoid paying up.

For one thing, some credit card companies will not cover certain popular vehicles according to their plan.

This can often include pickup specific makes and models like the Ford F-150, or entire vehicle categories like SUVs or trucks.

Another loophole commonly employed is that the car rental must be paid with the credit card in order for coverage to be provided.

Some companies also have restrictions on rental length, so rentals lasting more than 15 days may not be covered.

On top of that, there are policies out there that specifically exclude insurance if you use your rental car to drive on any unpaved roads.

With all the loopholes companies have available to avoid liability in the case of a rental car accident, the best thing you can do is to educate yourself on their policies to ensure that you will be covered.

You might also want to be on the lookout fo gas gouging stations near the Orlando airport.

It's quite easy to be scammed at the car rental counter as well.

By Marie Ospina

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