Chicago Car Insurance Guide

The Chicago rental care insurance program is pretty much like any other. When you rent a car, an agent (who can be pretty convincing) will ask you whether or not you want to insure the car you are renting.

If you have a regular auto insurance policy on the car you own and it extends coverage for collision and comprehensive coverage on rental cars than you don’t need additional coverage. You must also make sure that the coverage is applicable in any state that you drive the rental car in. In the event that you don’t own a car, you can purchase a “non-owner” policy that will cover you while you are driving the rental.

Some credit card companies offer insurance when you use the credit card that they issued you. But, you must review the terms and conditions because there many are certain stipulations including the type of car you are renting and whom you are renting from. The coverage may also be very limited, and some credit card companies will only reimburse you for the deductible that you pay under your regular policy. Some only provide collision and nothing for personal injury or property damages to others.

If you do purchase a package from the rental car agency, make sure you read it first.

Many rental car companies will insure a car from theft, but they will not cover what is inside the car.