insurance

My friend came from Taiwan and want to rent a car in USA. The car rental company offer differet kinds of insurance. Which insurance is most recommended?

I work for an insurance company and I am licensed in 17 states. It is important to realize that your insurance will not cover your friend even if you sign for the vehicle and let him/her drive it.

The rental company does actually maintain insurance on all of their vehicles because it retains ownership and only rents the vehicle to your friend. Most people do not know that.

Your friend is still going to have to purchase the full package which includes liability, collision and comprehensive coverage. The coverage for loss of use is optional but is also a good idea. The benefit of purchasing adequate coverage is that your friend will be able to walk away and not get bogged down in legal problems if there is an accident.

Even if your friend is a good driver, there is a relatively high risk of an accident because your friend will be driving in a strange environment.

As her insurance is no good in the USA, take the collision total package. I know it is more than some, but trust me, when people see that a car is rented, and most now carry the UPC code sticker on the windshield for inventory purposes, the BAD people see it and "make" an accident happen to make a claim to the insurance company. They know that a rental company will have good insurance and pay out "well". It should cost about $8-12 perday, but trust me, well worth it. Also, depending on your friends history of driving in the US, she/he might not feel comfortable and get nervous and have an accident out of nerves. Good luck and by the way, HI to your friend and welcome her/him to the USA with open arms from me too.

Guyster/Bubba

well i know it cost a bid more but trust me it good you never what may happen to you. just in case.. you feel better.