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Renting a car this summer? Some things to consider first!

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✅ Before You Rent

  1. Check Your Existing Coverage

    • Auto Insurance: See if your personal policy covers rental cars (especially liability and collision).

    • Credit Cards: Some offer rental car insurance if you pay with the card—check terms.

  2. Compare Rental Insurance Options

    • Collision Damage Waiver (CDW): Waives financial responsibility if the car is damaged or stolen.

    • Supplemental Liability Insurance: Covers damage you cause to others.

    • Personal Accident Insurance: Covers medical bills for you and passengers.

    • Personal Effects Coverage: Covers stolen items from the car.

  3. Read the Fine Print

    • Watch for exclusions like driving off-road, unauthorized drivers, or using the vehicle for work.

While your personal insurance policy may extend to the rental vehicle, you should also note that a claim of any type on your personal auto will likely raise your rates.  We recommend considering purchasing the insurance through the rental car company to minimize any potential impact on your rates.  As always, give us a call to help guide you through the process!

McDonald Insurance Agency

715-386-9494