请教租车保险问题

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请问各位明白人， 如果想要租车的话， 是不是先要买保险？

非常感谢！

 

[风 雨]

No.

If you you don't have your own vehicle insurance policy that covers rented vehicles, you can pay a bit more to the rental company so that they will provide the insurance for the car you rent.

 

[timmy]

No.
If you you don't have your own vehicle insurance policy that covers rented vehicles, you can pay a bit more to the rental company so that they will provide the insurance for the car you rent.

几乎比租车还贵(about $22 per day)，而不是"a bit more"。另外你可以：
1）使用金卡等可以包含租车保险的信用卡；或
2）自己的、含有开任何他人车保险的私家车保险。

 

[MMPA]

几乎比租车还贵(about $22 per day)，而不是"a bit more"。另外你可以：
1）使用金卡等可以包含租车保险的信用卡；或
2）自己的、含有开任何他人车保险的私家车保险。

about $22 per day
是Zero Deduction的双向,防盗,全保, 自己不必付任何钱.

1）使用金卡等可以包含租车保险的信用卡；
请仔细查看条款. 一位朋友在停车场发生轻微碰撞, 金卡租车保险只付超过$1000的部分.不同金卡租车保险条款不一样.

2)自己的、含有开任何他人车保险的私家车保险.
这种保险应该比较贵.
除非经常租车,大部分人买的保险只和自己的车有关,只能保自家车.

 

[嘟嘟狼]

我以前enterprise的时候好像是一天十几块，没到22.可能公司不一样，价钱也不一样。

 

[easter]

Enterprise有三种险，但是好象都不是第三者责任险， 没有自己的车险，用免CDW 的金卡租车需要买什么另外的保险吗? 还是买Personal Effects Coverage 就行了？
Collision Damage Waiver (CDW)
Personal Accident Insurance (PAI)
Personal Effects Coverage

Collision Damage Waiver (CDW)
DAMAGE WAIVER (DW) FOR THIS BRANCH RANGES BETWEEN $15.99 AND $21.99 PER DAY. - DW IS OFFERED AT THE TIME OF RENTAL FOR AN ADDITIONAL DAILY CHARGE. IF THE RENTER ACCEPTS DW, ENTERPRISE ENTERPRISE WAIVES OR REDUCES THE RENTER'S RESPONSIBILITY FOR LOSS OF, OR DAMAGE TO, THE RENTAL VEHICLE (INCLUDING BUT NOT LIMITED TO TOWING, STORAGE, LOSS OF USE, ADMININSTRATIVE FEES AND/OR DIMINSHMENT OF VALUE) SUBJECT TO THE TERMS AND CONDITIONS OF THE RENTAL AGREEMENT AND APPLICABLE LAWS. DW IS NOT INSURANCE. THE PURCHASE OF DW IS OPTIONAL AND NOT REQUIRED TO RENT A CAR. THE PROTECTION PROVIDED BY DW MAY DUPLICATE THE RENTER'S EXISTING COVERAGE. ENTERPRISE IS NOT QUALIFIED TO EVALUATE THE ADEQUACY OF THE RENTER'S EXISTING COVERAGE; THEREFORE THE RENTER SHOULD EXAMINE HIS OR HER CREDIT CARD PROTECTIONS, AUTOMOBILE INSURANCE POLICIES OR OTHER SOURCES OF COVERAGE THAT MAY DUPLICATE THE PROTECTION PROVIDED BY DW.

Personal Accident Insurance (PAI)
PERSONAL ACCIDENT INSURANCE (PAI) FOR THIS BRANCH IS $2.00 PER DAY. - PERSONAL ACCIDENT INSURANCE (PAI) IS OFFERED AT THE TIME OF RENTAL FOR AN ADDITIONAL DAILY CHARGE. IF ACCEPTED, PAI PROVIDES THE RENTER AND PASSENGERS WITH ACCIDENTAL DEATH, MEDICAL EXPENSES AND DENTAL BENEFITS. BENEFITS ARE PAYABLE IN ADDITION TO ANY OTHER INSURANCE COVERAGE THE RENTER OR PASSENGERS MAY HAVE. THIS IS A SUMMARY ONLY. PAI IS SUBJECT TO THE PROVISIONS, LIMITATIONS AND EXCLUSIONS OF THE PAI POLICY UNDER- WRITTEN BY AVIVA INSURANCE COMPANY. THE PURCHASE OF PAI IS OPTIONAL AND NOT REQUIRED TO RENT A CAR. THE COVERAGE PROVIDED BY PAI MAY DUPLICATE THE RENTER'S EXISTING COVERAGE. ENTERPRISE IS NOT QUALIFIED TO EVALUATE THE ADEQUACY OF THE RENTER'S EXISTING COVERAGE; THEREFORE THE RENTER SHOULD EXAMINE HIS OR HER PERSONAL INSURANCE POLICIES OR OTHER SOURCES OF COVERAGE THAT MAY DUPLICATE THE COVERAGE PROVIDED BY PAI.

Personal Effects Coverage
THE PEC FOR THIS BRANCH IS $2.00. PERSONAL EFFECTS COVERAGE (PEC) IS OFFERED AT THE TIME OF RENTAL FOR AN ADDITIONAL DAILY CHARGE. IF ACCEPTED PEC POLICY INSURES THE PERSONAL EFFECTS OF THE RENTER, OR ANY MEMBER OF THE RENTER'S IMMEDIATE FAMILY WHO PERMANENTLY RESIDES IN THE RENTER'S HOUSEHOLD AND WHO IS TRAVELING WITH THE RENTER AGAINST RISKS OF LOSS OR DAMAGE. BENEFITS ARE PAYABLE IN ADDITION TO ANY OTHER INSURANCE COVERAGE THE RENTER OR PASSENGERS MAY HAVE. THIS IS A SUMMARY ONLY. PEC IS SUBJECT TO THE PROVISIONS, LIMITATIONS AND EXCLUSIONS OF THE PEC POLICY UNDERWRITTEN BY AVIVA INSURANCE COMPANY. THE PURCHASE OF PEC IS OPTIONAL AND NOT REQUIRED TO RENT A CAR. THE COVERAGE PROVIDED BY PEC MAY DUPLICATE THE RENTER'S EXISTING COVERAGE. ENTERPRISE IS NOT QUALIFIED TO EVALUATE THE ADEQUACY OF THE RENTER'S EXISTING COVERAGE; THEREFORE THE RENTER SHOULD EXAMINE HIS OR HER PERSONAL INSURANCE POLICIES OR OTHER SOURCES OF COVERAGE THAT MAY DUPLICATE THE COVERAGE PROVIDED BY PEC.

 

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谢谢大家