Rental car insurance coverage protects you while your vehicle is being repaired. In California, for example, you must have a personal car insurance policy with liability coverage or purchase additional liability coverage from the car rental company in order to drive legally. We know that your budget is one of the most important factors you should consider when choosing an auto insurance provider. Generally, your health insurance will cover injuries that result from a car accident, and home or renters policies cover items stolen from a car.
In general, rental reimbursement coverage is worthwhile if you think you're going to have a car accident and need a rental car for years to come. After having an accident, you have a limited amount of time to file the appropriate claim with your car insurance provider. While each standard auto insurance company has its own criteria for covering rental cars, some situations are generally excluded. Consequently, if you don't have a standard car insurance policy and rent a car in California without buying liability coverage from the car rental company or a third-party insurer, you'll be driving illegally without insurance.
Finally, buying insurance at the car rental counter is the most expensive option, but it adds convenience and peace of mind. If your personal car is insured and you pay your rent with a credit card, you can probably skip the optional coverage offered at the rental counter. This information may be different from what you see when you visit the website of an insurance provider, insurance agency, or insurance company. As you can guess, high-risk drivers often have to pay more for their car insurance coverage than low-risk drivers.
And with that, we've come to the end of this comprehensive guide to everything related to car insurance in Iowa.