Whether you’re on vacation or just need to get around town for a few days, renting a car is convenient. After all, you can cruise around in something stylish without worrying that you’re putting wear and tear on your own vehicle. Of course, when you rent a car, there are lots of extra options to consider. Rental insurance is one of them.

When To Consider Rental Car Insurance

If you don’t have auto insurance that covers you when you drive a rental, you’ll want to consider car rental insurance Worcester MA. At a minimum, you’ll need liability coverage since it’s a law to carry it in most states. It’s also worth considering extra coverage if your current policy doesn’t provide comprehensive coverage, if you only have commercial car insurance, or if you are worried you’ll end up paying a high deductible.

Different Types of Car Rental Insurance

At a minimum, you should be sure that you have liability coverage when renting a car. It’s a requirement for driving in most states and will protect you if you damage someone’s property or injure someone while you’re driving. There are other insurance options as well.

A collision/loss damage waiver is not technically insurance but is still important for some drivers. The waiver may help to cover the cost of the rental car if you damage it. If you don’t have collision or comprehensive coverage, you’ll need the waiver. Without it, you’ll pay out of pocket for any damages.

You can also purchase personal effects coverage and personal accident insurance. Personal effects coverage pays for a portion of lost property such as electronics or clothing if they are stolen from a rental car. Personal accident insurance pays for medical bills if you or your passengers are injured in an accident.

When it comes to purchasing insurance for a rental car, it’s better to be safe than sorry. Spending a few more bucks now could save you hundreds of dollars or more should the unthinkable happen.