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Weigh car rental insurance options before taking to the road

Posted On Tue, November 23, 2010

Thanksgiving marks one of the busiest travel times of the year. Many families will opt to rent a vehicle for their holiday road adventures.

Most people are well-aware of the importance of having auto insurance on a vehicle they own. However, few may even consider purchasing car rental insurance until they are asked about it by an agent.

According to a survey by the National Association of Insurance Commissioners, more than 40 percent of respondents indicated they were either "thoroughly confused" or "only had a rough idea" when it came to rental insurance.

Insurance Information Institute senior vice president and consumer spokesperson Jeanne Salvatore says consumers should do their research beforehand.

"Faced with a number of choices, some renters either purchase all of the coverage or they decline the insurance without knowing if they are covered by other policies. This can result in either wasting money by purchasing unnecessary coverage or having gaps in coverage, making the driver dangerously uninsured."

A quick phone call to an insurer can help straighten out any confusion when it comes to what a person's existing auto insurance will cover. 

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