Getting a rental car can be a great option when you want to travel without the burden of owning a car. However, while you’re enjoying the convenience of having a car, you also need to make sure that you have the right insurance coverage in case an accident happens. This is where progressive car rental insurance comes in. In this article, we’ll help you understand what progressive car rental insurance is and how it can help you in times of need.
What is Progressive Car Rental Insurance?
Progressive car rental insurance is an insurance add-on that covers you in case of damages, theft, or other incidents that may occur while you’re driving a rental car. It offers a variety of coverage options that can be customized to fit your needs, including liability insurance, collision damage waiver, and personal accident insurance, among others.
When you rent a car, the rental company typically offers you insurance options to choose from. However, these options can be expensive and may not provide sufficient coverage. Progressive car rental insurance can provide an additional layer of protection and save you money on insurance premiums.
Liability Insurance
Liability insurance covers you in case you’re held responsible for damaging someone else’s property or injuring another person while driving the rental car. Without liability insurance, you could face significant financial losses if the other party decides to sue you. Progressive car rental insurance’s liability coverage can provide up to $1 million in protection.
Collision Damage Waiver
Collision damage waiver, also known as CDW, covers you in case of damages to the rental car due to a collision, theft, vandalism, or other incidents. This coverage can help you avoid paying for damages out of pocket, which can be expensive. Progressive car rental insurance’s CDW coverage can offer up to $35,000 in protection.
Personal Accident Insurance
Personal accident insurance provides coverage for medical expenses and accidental death or dismemberment in case you or your passengers are injured while driving the rental car. Progressive car rental insurance’s personal accident coverage can offer up to $100,000 in protection.
Supplemental Liability Insurance
Supplemental liability insurance, also known as SLI, provides additional liability coverage beyond the rental company’s liability insurance. This coverage can provide extra protection in case of accidents that result in bodily injuries or property damages that exceed the rental company’s liability coverage. Progressive car rental insurance’s SLI coverage can provide up to $1 million in protection.
How Does Progressive Car Rental Insurance Work?
To purchase progressive car rental insurance, you need to have a valid driver’s license and credit card. You can purchase coverage directly from Progressive, either online or by phone. Alternatively, you can purchase coverage from the rental company when you pick up the car, but this option is usually more expensive.
Once you have progressive car rental insurance, you’re covered for the duration of the rental period. If an incident occurs, you should report it to both the rental company and Progressive as soon as possible. You’ll be asked to provide details of the incident and any relevant documentation, such as police reports or medical bills.
After you file a claim, Progressive will review your case and determine the amount of coverage you’re eligible for. If your claim is approved, Progressive will pay the rental company directly for the damages or losses covered by your policy.
FAQ: Frequently Asked Questions about Progressive Car Rental Insurance
Question |
Answer |
Do I need progressive car rental insurance if I already have car insurance? |
It depends on your existing car insurance policy. Check with your insurance provider to see if rental car coverage is included in your policy. Even if it is, it may not provide sufficient coverage, especially if you’re traveling internationally. |
What if I decline the rental company’s insurance and don’t have progressive car rental insurance? |
If you decline the rental company’s insurance and don’t have progressive car rental insurance, you’ll be personally responsible for any damages or losses that occur while you’re driving the rental car. This can be very costly, so it’s recommended to have some form of coverage. |
What is the cost of progressive car rental insurance? |
The cost of progressive car rental insurance varies depending on the coverage options you choose and the duration of your rental period. However, it’s generally more affordable than the insurance options offered by rental companies. |
Can I purchase progressive car rental insurance if I’m not a US citizen? |
Yes, non-US residents can purchase progressive car rental insurance as long as they have a valid driver’s license and credit card. |
Can I cancel my progressive car rental insurance policy? |
Yes, you can cancel your progressive car rental insurance policy at any time before the start of your rental period. However, you may be subject to cancellation fees. |
Conclusion
Progressive car rental insurance can provide valuable protection and peace of mind when you’re traveling by rental car. With its customizable coverage options and affordable premiums, it’s definitely worth considering when renting a car. However, make sure to read the policy details carefully and compare it with other insurance options to ensure that you’re getting the best coverage for your needs.
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