It should not be confused with rental reimbursement coverage, which is a supplement to the car insurance policy that offers reimbursement for a car rental in the event that the car is repaired due to a covered loss or accident. Rental car insurance is insurance that covers you when you rent a vehicle directly from a car rental company, such as Enterprise Rent-A-Car. When you rent a car at the airport or another car rental agency, you will be asked if you want to add insurance to your rental or if you want to exempt it from insurance. Excluding a driver means that you are not allowed to drive any of the vehicles in your insurance policy, even in case of emergency.
If they drive their car and cause an accident, they won't have coverage, meaning they'll have to pay the cost of the accident out of pocket and could face the consequences of driving without insurance. Driving without car insurance is illegal in most states, which means that removing someone from your policy without their knowledge could break the law. You could also end up canceling your insurance policy or seeing an increase in your rates if the insurance company discovers that an excluded driver was driving your car, so think carefully before excluding anyone from your policy. Or, if you're looking for a new car policy, compare car insurance and find out why GEICO is the right choice.
If they have a car with them or are going to use yours when they are visiting home, you should leave it in your policy. Then, you get a clipboard with an intimidating car rental contract full of confusing insurance options. Read on to learn some basic facts about rental car insurance and whether or not you need additional coverage beyond your personal auto insurance policy. How does your coverage for uninsured drivers apply if an accident occurs while driving a rental car and the person at fault is not insured? Since rental car insurance isn't something most of us deal with on a daily basis, it's easy to get confused or overwhelmed when presented with the option of this type of coverage.
Some insurance companies will allow you to exclude a teen driver, but many companies don't allow it because they expect your child to drive their car at least part of the time. There's a good chance that the insurance company will remove them from your insurance as of the effective date of your new policy, so don't be surprised if you don't have the option to remove them from your coverage. In most cases, collision damage exemptions also offer “loss of use” coverage if the car rental company charges for the time a damaged car cannot be used because it is being repaired. I've been told that Geico's personal insurance doesn't cover rental cars if the rental lasts more than 30 consecutive days.
Whether it's filing a claim against your life insurance policy or removing them from your car insurance, you'll most likely have to provide a copy of your death certificate to the insurance company in order to make any changes.