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When I rent a car, should I purchase the damage waiver?

Generally, coverage from your own auto insurance policy applies to the rental vehicle when driving within the United States (including your deductible). Most rental companies will require you to have comprehensive and collision coverage on your COUNTRY Financial auto policy – if you don’t, they’ll ask you to purchase their damage waiver.

Review the company’s “loss of use” policy too. “Loss of use” means if you wreck a rental car, you may be charged for the revenue lost while the car is being fixed for the damage you caused. Loss of use is not generally covered on your personal auto policy. You may want to purchase the “loss of use” protection from the rental agency separately, if possible. Read the contract carefully and ask the rental agent to explain it if you are unsure.

Another thing to consider is that if you don’t purchase the insurance coverage offered by the rental company, an accident could mean an increase of your premiums.