asked:




Most drivers have no idea if they should purchase the additional insurance offered by rental car companies. When it comes to renting a car, especially out-of-state, Michigan No Fault insurance attorneys will almost always recommend purchasing additional rental car coverage.

Why purchase rental car insurance coverage if I have No-Fault insurance in Michigan?

The big reason is car damage.  With most No-Fault policies today, there is an open question on whether the car damage to a rental car will be covered by your own auto No-Fault policy, even if you have purchased collision coverage for your own vehicle. Ask your insurance agent about car damage and whether the coverage on your personal vehicle extends to a rental car. In many cases, renters are not appropriately covered and should purchase the additional insurance to minimize the risk. Even if a car accident is not your fault, you don’t want to get stuck with a $20,000 bill for vehicle repairs.

Most rental car companies offer customers the option to purchase additional coverage such as:

•    Collision damage coverage

•    Personal accident insurance

•    Supplemental liability protection