Usually, any rental car insurance is considered “excess.” That means it will be effective only after all other personal insurance is used. Such coverage can also be quite expensive. Therefore, consumers should check with their own car insurance company and/or agent to figure out what kind of rental insurance they already have in place. That would allow the consumer to sensibly deny or decline the high-priced rental insurance—offered by the car rental company—when they do rent a car.
The Ohio Department of Insurance also gives consumers some advice concerning the following four questions about Rental Car Insurance:
1. What coverage is normally offered through my rental car company?
2. What should I expect from the rental car company (i.e., what are rental car companies prohibited from doing)?
3. Are there other options for meeting my insurance needs?
4. What specific questions should I ask my insurance company or agent?
For the agency’s helpful answers to these questions, follow this link: http://www.insurance.ohio.gov/Newsroom/Tips/Pages/AutoRentalInsurance.aspx.
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