If you are organizing to rent a auto and have no auto policy, assess your coverage in four areas, sa

Feel twice before turning down rental-car insurance on your up coming trip. Even if you presently have an car policy, professionals say, you must read through its fine print—and examine with your carrier—before determining if you are going to need extra coverage for a rental car.
If you are organizing to rent a auto and have no auto policy, assess your coverage in four areas, says Loretta Worters, a spokeswoman for the Insurance Information Institute, a trade association: You require a reduction-injury waiver, in case the auto is stolen or damaged liability insurance coverage, which covers you in the event of a lawsuit personalized accident whale watching cruises in hawaii insurance coverage, which covers health-related payments if you or your passengers are injured and individual-results coverage towards theft of belongings.
With out auto insurance, you may possibly nonetheless have satisfactory coverage in one or much more of these locations, says Laura Adams, senior analyst at insuranceQuotes.com. For illustration, your wellness-insurance coverage program may offer sufficient personal-accident coverage, although your house owners or renters insurance may cover your belongings, Ms. Adams says. But with out an car-insurance policy, you might be left higher and dry when it comes to loss and damage or liability, she says. Some credit score-card suppliers offer limited liability or other coverage, but it may possibly not be adequate, whale watching cruises in hawaii she says. Offerings fluctuate by card, and coverage depends on your net worth.
Similarly, rental-vehicle organizations are required by law to promote state-mandated ranges of liability insurance—usually reduced, Ms. Worters says, than the institute s suggested assortment of $ a hundred,000 to $ 300,000.
If you rent a automobile often, it might pay out to invest in a non-owner liability policy, which will cover you for a 12 months, Ms. Worters says. Costs fluctuate by provider and by state, but generally cost $ 300 to $ 400 a yr, she says.