From your perspective:
We're never quite sure if we should buy the insurance the rental car company offers. Any advice?

Jim and Julie G.

Your PEMCO policy covers cars you rent in the United States and Canada the same as your own car. However, before you turn down the extra coverage:

  • Confirm that your PEMCO policy includes comprehensive and collision coverage. If not, you could end up paying out of pocket for damage to a rental.
  • If a spouse or child who is listed on your PEMCO policy also will be driving, make sure he or she signs the rental agreement as a driver and pays the additional fee. That gives them the “permission” of the car's owner (the rental car company) so your PEMCO coverage applies.
  • Beware of downtime fees. If a car is sitting in the repair shop, some rental companies will charge for the days they can't rent it. They also may tack on administrative fees for handling an insurance claim. Your PEMCO policy doesn't cover those costs.
  • Check with your credit card company. Many offer free extra coverage when you use their card to rent a car.

For more considerations, check out our rental car fact sheet. Or call 1-800-GO-PEMCO or your local PEMCO agent.