When renting a car, one of the key questions is whether to purchase rental car insurance. Horace Mann, a trusted name in insurance, provides valuable insights into this topic. Understanding this coverage ensures you make an informed decision and stay protected on the road.
What is Rental Car Insurance?
Rental car insurance offers temporary coverage for damages or accidents involving a rental vehicle. It typically covers four main areas:
- Collision Damage Waiver (CDW): Covers the cost of vehicle damage.
- Liability Insurance: Protects you from claims if you cause injury or property damage.
- Personal Accident Insurance: Covers medical expenses for you and your passengers.
- Personal Effects Coverage: Reimburses you for stolen belongings from the rental.
Why Choose Horace Mann for Rental Car Insurance?
Horace Mann specializes in tailored insurance options, making it a reliable choice for rental car insurance. They ensure that their coverage aligns with your travel needs, whether you’re on a vacation or business trip.
Do You Always Need Rental Car Insurance?
Before saying yes to rental car insurance, check the following:
- Does your personal auto insurance policy already include rental coverage?
- Does your credit card offer rental car insurance benefits?
If you’re unsure, consulting an expert at Horace Mann can help clarify your options.
FAQs
Q: Does rental car insurance cover all damages?
A: It depends on the type of coverage you choose. Collision damage waivers cover damages to the rental car, but they don’t include other liabilities.
Q: Is rental car insurance expensive?
A: Costs vary depending on the provider and coverage type. Horace Mann offers competitive rates tailored to your needs.
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