In Texas, rental car insurance is not required by law. However, it is recommended to protect yourself in the event of an accident or theft when renting a car. Rental car insurance can be purchased from the car rental company or from your car insurance provider. Some drivers don't own a car, but they rent it frequently.
If this is your case, you can consider taking out car insurance for someone other than the owner. This type of policy provides liability coverage for property damage or bodily injury you cause while driving a car that you don't own. If you want a policy like this, make sure it includes personal injury protection and medical payment coverage. This coverage covers medical and other expenses if your passengers are injured in an accident that occurs while you are driving the rental car.
To learn more about general car insurance policies so you can enjoy a truly worry-free vacation, contact Tri-Star Insurance Professionals, Inc. If you already have car insurance, make sure that this insurance policy also covers cars rented for personal use. If you don't yet have liability insurance through an auto insurance agency, but are thinking of buying it, this time may be the perfect time to research your options and get a policy. When renting a car, paying with a credit card can have the added benefit of being a form of rental car insurance.
However, if you're going to do everything you can to buy a state-of-the-art sports car instead of that 10-year-old sedan you're driving around Houston, you might want to hedge your bets by paying the extra money for insurance from the car rental company, which may include travel insurance. If you use a credit card, you won't need proof of your own car insurance, but you'll still have to take out some level of insurance through them to rent the vehicle. Talk to your friendly Houston auto insurance company to find out how to add this to your policy to protect yourself when you drive your own car or rent a car. Rental car insurance packages vary from state to state, but the professionals at Tri-Star are here to help you choose, no matter where you go.
If you don't have car insurance but you drive a lot when you travel, consider buying rental car insurance. This means that your insurance will cover your expenses, even if you weren't at fault, and the other driver's insurance must cover yours.