Rockville, MD motorists often rent autos when they embark on long trips or need alternate vehicles while their cars undergo repairs. When driving a rented auto, it’s vital to make sure that it has adequate insurance. This is necessary to comply with Maryland law and avoid massive repair or medical bills.
Unlike some states, Maryland doesn’t require all auto plans to cover rental cars. Nonetheless, state law calls for all cars to have continuous coverage. Each policy needs to pay for both material damage and physical injuries. Motorists may face fines if they drive uninsured rental vehicles.
Coverage doesn’t always come from the same type of provider. A driver’s regular car or homeowners’ policy may cover a rented auto. On the other hand, you might need to pay extra for this coverage. Automotive clubs and credit card companies frequently offer this protection as well.
Rental agencies supply a variety of insurance products. When you rent a car, you can pay extra for medical, liability, collision or theft coverage. Keep in mind that an agency might sell you completely redundant insurance if you aren’t careful. Existing home, health, disability, renters’ or auto policies may already provide equivalent coverage.
If you have car insurance, you can buy an optional rider that reimburses you for renting a vehicle when your auto suffers damage in an accident. This is a completely separate type of coverage; it doesn’t necessarily mean the same insurer will cover your rental car while you drive it.
Wellspring Insurance Network Inc. can help you find an affordable policy that covers rental autos. Our independent agency checks the rates of several major automotive insurers and finds the best plan for you. Please call 240-848-0355 to reach the Wellspring Insurance Network Inc. office in Rockville, MD.