什么是租车pp王者电子官网，它是如何工作的?
It's usually a st和ard question at a rental car company counter: "Do you need rental car insurance?“考虑到租车公司对他们的车有pp王者电子官网, you have insurance on your personal car 和 you may also have rental coverage available through your credit card, 你该怎么办?? 这种“pp王者电子官网”, 在技术上是一种弃权, may help to cover costs should the car become damaged or incapacitated during your rental time. 以下是如何理清具体问题的方法.
租车pp王者电子官网的范围是什么?
Typically, coverage through a rental car company falls into five categories:
- 碰撞损害豁免(CDW)或损失损害豁免(LDW): Releases you from damages that occur to the rental car, including v和alism 和 theft.
- 责任: Provides coverage for damages or injuries you may cause with the rented 车辆.
- 人身意外pp王者电子官网(PAI): Protects you 和 your passengers should injuries occur while driving the rental car.
- 个人物品pp王者电子官网: 包括可能从租用车辆中被盗的个人物品.
- 路边援助: 包括紧急路费、遗失钥匙和旅行援助.
我需要租车pp王者电子官网吗?
Many personal 车辆 insurance policies already include some sort of car rental insurance coverage — so if you purchase a rental car policy, 你在不必要的时候多付钱. 让你的 状态 Farm®代理 know the reason for the rental so they can help assess how coverage from your personal 车辆 policy might apply. 然后，问你的经纪人这些关键问题:
- 有多少 责任, 全面的 和 碰撞的报道 我的私人车辆上有什么? The coverage you have on your personal 车辆 may also extend to your rental car.
- 如果我的汽车pp王者电子官网有很高的物理损害pp王者电子官网免赔额, 租车有足够的pp王者电子官网吗? 有时不是这样.
- 如果我有 道路救援服务，拖车和行政费用也扩大到租赁汽车?
- 如果租车里的东西被偷了，会吗 房主 or 租房者pp王者电子官网 赔偿损失? 这有时被称为外部覆盖.
- 我的个人汽车pp王者电子官网是否包括收入损失险? If the 车辆 becomes damaged during your rental time 和 repairs 是必要的, the company may charge you for the 车辆's potential earnings while it's being repaired.
我的信用卡有租车pp王者电子官网吗?
如果你用主要信用卡支付租车费用, the card issuer may offer secondary car rental insurance at no charge. In general, this coverage will be used after your personal auto insurance policy is used. Keep in mind that credit card coverage varies from card to card 和 the institutions which issue the cards. This coverage typically only helps with additional expenses such as reimbursing your insurance deductible. Exotic, expensive or larger 车辆s may not be covered by credit cards.
Refer to your card’s website for information about available rental car coverage or call the number on the back of the card to inquire.
查看你的租赁pp王者电子官网选项
Don’t sign anything or agree to coverage without reading the policy thoroughly. pp王者电子官网要求和规定因州而异.
- Unless your auto insurance coverage adequately extends to rental cars, you may need to get some kind of insurance coverage from the rental organization. 代替碰撞或全面的汽车pp王者电子官网, 你可能会获得租车公司的损失赔偿豁免, 或LDW, 哪些可以帮助支付损坏修复费用, 行政费用和拖车费.
- 如果你没有 健康 or 医疗支付范围 on an existing policy, you may be able to purchase personal accident coverage.
- If your personal auto policy doesn’t include emergency road service or first party medical coverage such as 人身伤害保护 (PIP)或医疗支付pp王者电子官网(MPC)，考虑购买这些.
如果我使用汽车共享或点对点服务怎么办?
- 根据 pp王者电子官网信息研究所 (三)覆盖范围差异很大. If you're renting from a nontraditional car sharing company, review the agreement carefully. 虽然pp王者电子官网有时包含在费用中, 可能会有限制或额外的费用, 特别是如果车是偷来的.
- Consider discussing coverages with your insurance agent 和 inquire with the service you’re renting from.
我在国外需要国际汽车租赁pp王者电子官网吗?
联系 your agent 和 credit card company well in advance of your trip. Paying for international coverage might help if you have an accident or the 车辆 is stolen while traveling abroad.
为工作或娱乐租房子?
Coverage extensions from your existing policy or your credit card may not apply if you're renting a car for business. 在这种情况下，通过你的雇主查看pp王者电子官网选项.
选择合适大小的租赁车辆
预订汽车时, know how many people will be traveling with you 和 how much luggage room you will need. You'll want to have enough space to see clearly out of each window 和 to keep passengers comfortable. Remember, middle seats are often small for adults but typically fine for children, unless 汽车安全座椅 是必要的. If you need room for more than four adults, consider choosing a 车辆 with a third row.
检查租赁汽车
在开车离开之前，检查一下汽车，检查以下内容:
还要仔细检查汽车是否配备了 重要的安全特性, 和 verify that the add-ons you agreed to are present 和 functioning appropriately.
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