So, you’ve just landed and gotten off of your flight. You’re looking to get a rental car to take you wherever it is you need to go in this out of town location, so you navigate your way towards the rental car counter and talk vehicles. The agent starts talking to you about rental car insurance and suggests that you buy coverage for your temporary use of their vehicle. Now, before you spend your hard earned money on rental automobile insurance in South Carolina, make sure you know what you’re getting into.
What You Need to Know about Rental Automobile Insurance in South Carolina
Rental automobile insurance in South Carolina won’t allow a very extensive coverage and will only provide additional protection for the insurance you already have. Unless you think you need extra assistance while you’re driving a rental car for a short period of time, it’s probably best that you first look into what rental car insurance offers to see if it’s something you really need.
The typical coverages included in rental car insurance are:
- Loss/Collision Damage Waiver – Often referred to as LDW, this will allow you to get financial assistance if your rental car is stolen, vandalized, or destroyed in a vehicular accident. Because the rental provider might incur losses during the time they have to put the car through repairs, this will also get you off the hook for any charges the rental business might impose on you.
- Liability Coverage – This is often included in traditional automobile insurance policies but can be bought as a supplemental coverage for rental insurance. What this does is it pays for any costs associated with injuries or damages incurred by others during a crash caused by you.
- Personal Accident Insurance – Of course, you, your driver, and your passengers could get injuries during a crash as well. This coverage will help pay for the costs of medical expenses.
- Personal Effects Coverage – If you’re using your rental car as your main means of transportation while you’re away from home, it’s not unlikely that you’ll keep a few things inside especially when you find yourself using it often. Cars that have valuable items stored in the trunk or back seats are more likely to become the focus of thefts and robberies. This particular rental car insurance coverage will pay for any losses or damage to personal effects that you keep in your rental car.