I buy additional rental car insurance in Hawaii ?
of Insurance | Car
Rental Insurance Rates |
Trip and Travel Insurance
February 23, 2013
Itís important to make sure all your bases are covered when it comes to insurance coverage, protection plans and rates with your car rental. Even if you think your own personal
vehicle coverage might take care of any potential damages to your rental
vehicle itís always better to be safe than sorry and purchase car rental insurance and
protection or check with your insurance company to see exactly
what is and is not covered.
kind of car rental insurance, accident protection plans and other coverages
are available in Hawaii?
protection plans and coverages offered by the car rental
companies are pretty close to the same for each company (and expensive too).
Currently, Enterprise has the lowest
car rental insurance rates. With
Avis and Budget, you can pre-order your coverages
online during your reservation process. With Dollar,
Thrifty and Enterprise, order at the rental desk when you pick up your
car in Hawaii.
Renting for Business
If you're renting for business reasons, your personal car policy
probably will not cover the vehicle at all or in the same way. Check to see if
your personal car policy will cover business rental cars or the rental of cargo
vans, passenger vans, SUV's or pickup trucks.
Am I required to
purchase insurance protections?
No, but check with your car insurance
company to see if you are 100% covered for any or all of the plans
listed below. You are responsible for any damage to a rental car.
People rarely are fully insured unless they have purchased
special or additional coverage. It is especially important to
purchase additional coverage if you are not an American citizen
and are driving a rental car.
check to see if you're covered for the deductible and also loss
of use. You may be charged a daily fee
when an auto rental is out
of service while it's being repaired. If you pay for a car
rental with your credit card, some credit card companies may pay
the deductible if you damage the rental car. You are responsible
for anything that your personal vehicle coverage or credit card protection
responsible if my "Additional Driver" gets into a
(their fault) accident
or damages the car?
It is our understanding if you are on the rental contract as
the primary renter of the vehicle, and the "additional driver" gets
into an accident, you are the responsible
party since you are the person renting the car, whether you
are driving at the time or not. Always check with your
insurance company to see what and what is not covered in your
particular policy. All the rental car companies have various types
of insurance coverages available at the reservations desk or online when
Is the daily rate the same if
I rent for a month?
Are the rates the same for an economy car and a luxury
Rates vary depending on company, vehicle model, and the number of days you rent
*Types of Hawaii
Car Rental Insurance - Coverages and Protections:
The Loss Damage Waiver can vary in price depending on the car rental company from which youíre renting. Itís usually around
$17 to $30 per day depending on company and size of car. But
it can absolve you from
this liability if your rental gets damaged or stolen. For those who donít want to take the chance, itís a good investment to make.
For those who want additional
protection you can add Personal Accident coverage to your daily rental bill as well. This will cover you and your loved ones financially if you happen to suffer injuries or a disability due to an accident.
type of coverage won't protect you if you tear your hair out
or need hair transplants, but if your regular coverage doesnít already provide
Personal Effects Coverage for rental cars, itís not a bad
option to add on to your daily rental. This will cover any personal items that are stolen from the vehicle. Especially when youíre in an unfamiliar area or country, this coverage can give you some piece of mind.
In addition to Personal Accident Insurance and Personal Effects Coverage you can also add on Supplemental Liability Insurance to your daily rental
car coverage. This type of coverage protects the operator of the vehicle from any third party claims for any bodily injuries, deaths or property damage caused by the operation of the rental vehicle.
For those who are always want to be prepared, there is the Roadside Assistance option. In your vehicle break downs or gets a flat tire along the back roads of Hawaii this feature can provide you with the help you need.
Maybe you're a safe driver, you're
fairly well insured and you
follow all the rules, but what about everyone else? Having
insurance is the law but some people don't have any at all.
Uninsured Motorist coverage is a option added on to a
regular policy to protect you from negligent and
uninsured drivers. If you carry Uninsured
Motorist insurance, it can pay
all or part of what the uninsured or under-insured driver is
able to pay.
Trip & Travel Insurance:
Insurance Rates: *Rates
below are minimums and approximate.
above are minimums and approximate. Rates vary depending on location, vehicle model and length of rental. Rates may change without notice.
Protections/Coverages are subject to tax in certain locations. This tax is not reflected in the Estimated Total and will be calculated at the time of rental. This page is not
intended to state whether you are required to, or
whether you should or should not purchase protection
plans. For exact rates (if not already shown when reserving), please call
the location directly. Please contact your own own personal insurance company
as well as your credit card company for exact
definitions and for what is and is not covered in your
policy when renting a car.
and Travel Insurance
Many people enjoy the peace of mind that comes with
vacation travel insurance. The planning and money that goes into purchasing a trip is quite an investment both emotionally and financially. There are a few basic categories of commonly purchased travel insurance, including trip cancellation, travel major medical, travel medical, emergency medical evacuation, accidental death and flight accident insurance.
Most people get coverage in the unlikely event that a trip is canceled. This type of
coverage protects an insured person if thereís a need to cancel or cut a trip short for a variety of reasons which can include injury, illness, weather, or even mechanical difficulties.
For those who become ill or get injured while traveling itís always a good idea to have some type of travel health insurance, including medical or major medical so your expenses are covered. Most people are unaware of the fact that their health
coverage can only be utilized within their own country. Any outside usage will not be covered.
In the US, you may have coverage that fully covers you at
"In Network" locations, but it doesn't insure you as
thoroughly at "Out of Network" medical facilities.
In the unlikely event that a policyholder is killed while traveling, travel life insurance can pay out benefits to the surviving beneficiaries. There are several kinds of specialized travel insurance products that are available to travelers. The type you decide to purchase when preparing for your trip can depend on your budget and your tolerance for risk taking.
and Travel Insurance
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