Contact: (217) 355 9075 - Address: 702 Bloomington Road. Suite 205. Champaign, IL 61822 - Email: dave@insuringchampaign.com

Why is Rental Car Coverage Extra?

Why is Rental Car Coverage Extra?

Sometimes Rental Car Reimbursement Coverage is confused with Coverage for Renting a Car. So lets clear this up first.

Rental Reimbursement Coverage will pay you back for the cost to rent a car (reimburse) if you car is involved in a covered collision or comprehensive loss or accident. . Rental Reimbursement coverage will pay up to a certain dollar amount per day, usually $30-$40, and only for a limited time, usually 30 days. It will not reimburse you if your car is in the shop for mechanical reasons however.

Coverage for Renting a Car will depend upon the Coverage you have on your current insurance policy. This is a questions you should ask you agent before you rent a car because there are a few dangerous loopholes in the rental car agreement. Learn about those here

Now I am not an Insurance Company CEO, so I don't make the rules, but here are a few reasons why I believe it is optional.

  • Many people simply don't need it. If you have an extra car in your driveway or garage, you could probably get by a few days while your car is in the body shop. If you have more than one car available if needed you might be able to get by without a rental car. It might take some juggling of schedules but it can be done. 
  • Today's insurance consumer is incredibly price conscious. Most want the lowest price possible when shopping for insurance, but then want the most coverage at the time of a claim. In an effort to have the lowest base price insurance companies make this coverage optional to attract more clients. 

If you only have 1 car I feel you really must have this coverage. You will still need to get to work or school, you will still need to get groceries and food. You won't realize how much you depend on your car until you can't drive it for a few days

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois. Insurance shopping is easy when the Protection Team provides you with multiple quotes to choose from. You will always know you are getting the best coverage at the lowest possible price.

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Rueck Insurance is your independent, one-stop insurance center for all your personal and business insurance needs in Illinois.

702 Bloomington Rd#205
    Champaign, Illnois
(217) 355-9075
dave@insuringchampaign.com

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