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If you have rented a car, then you may be wondering whether it is necessary to get rental car insurance. You have three rental car insurance options if you are traveling to Europe.

Credit Card

You should contact your car insurance company. Most carriers will not cover you if you are in Europe. However, you may be able to get coverage from your credit card company. This coverage is free. Call your credit card company and ask about the deals they have for European car rentals.

Keep in mind that if you get insurance from your credit card company, then it may not cover the cost of accident injuries. That is why you should check with your car insurance company and ask if you can get umbrella liability coverage for out-of-country travel.

If you opt to get rental insurance from your credit card company, then you will need to make sure that you are the listed driver. You will also need to use the same credit card to pay for the rental car. Some credit card companies will exclude luxury cars. If you are involved in an accident, then you may have to pay out-of-cost for the accident and wait to get reimbursed.

Stand-Alone Policies

If you cannot get coverage through your credit card company, then you have other insurance options. You can get trip insurance. Not only will this insurance cover your car, but it will also cover trip interruption and trip cancellation. You can also find low car rental insurance rates through Insuremyrentalcar.com

Buy Insurance at the Rental car Counter

You may not want to get rental car insurance after traveling around the globe. It is typically the most expensive option. However, you will have the peace of mind knowing that you have adequate coverage. This is also a great option for people who are unsure about their credit card coverage.

You may also be uncomfortable using your credit card because the charges will end up on your statement. This means that you will have to temporarily have to foot the bill. You will have to wait a while in order to be reimbursed by the credit card company.

Insurance is an expensive option, but it is a necessity. You want to make sure that you do not have any issues if you are traveling in a foreign country. You can always buy your car rental insurance at the counter, but you can save money and time by buying it online or using your credit card.