Need to rent a car in Minnesota for a road trip? Have fun! You can always find something fun about a road trip. Minnesota is a great state for one because it has beautiful scenery, cute towns, and big cities.
Getting rental car insurance can be confusing before you even get in that clean rental car. Don’t be scared! Brave traveler! We are surely going to help you stay safe on the road.
Minnesota-The law is on your side
Vehicle insurance policies bought in Minnesota must cover rented cars. This means that if you have car insurance, don’t pay a deductible if you damage or lose most rental cars up to the value of $35,000. This includes pickups and vans that weigh less than 26 tonnes.
Because it’s the law in Minnesota, rental car companies must tell you about this coverage before you sign a contract with them. They must do this in a disclosure statement. This means you don’t have to deal with the intense pressure from the counter workers trying to sell you pricey CDW or LDW waivers for damage or loss.
Just a quick tip! If you can’t find the disclosure statement, it’s not rude to ask the rental car company to show it to you.
How to Understand Your Coverage
If you damage the rental car, Minnesota’s minimum coverage will keep you from paying for it. However, it’s equally important to understand what it might not cover so that you can be fully informed and prepared.
Personal injury protection (PIP) or bodily injury risk coverage on your car insurance usually covers injuries to you or others. Most likely, your policy covers theft or damage. One may be charged extra costs If the car is damaged and the company cannot rent it again while it is being repaired.
Find out what your auto insurance policy may cover when renting a car. Review your policy before you go on a vacation. The amount of coverage you already have might surprise you!
Think about Endorsements
If you want to meet your needs, you should still get more choices as soon as you understand Minnesota law. You can get an add-on called Supplemental Liability Protection (SLP). It provides extra protection for harms and losses caused to third parties that go beyond the insurance limits.
The intended benefit of Personal Accident Insurance (PAI) is to cover its members’ hospital bills in case of an unfortunate accident. Before starting it is crucial to emphasize that you should consult your financial advisor about your tolerance level of risk. Also, whether you require these additional facilities or not.
We have your back in Minnesota.
It is safe to rent a car in Minnesota because all auto insurance plans sold in the state must cover rental cars. Yes, your own insurance may cover the rental car. If it doesn’t, you’ll probably have to pay a lot of money at the counter for insurance from the rental car business.
Car rental companies have to offer extra insurance, which they most of the time call the Collision Damage Waiver (CDW) or the Loss Damage Waiver (LDW). Some people might not need them because Minnesota law already provides the bare minimum of coverage. Don’t need to change your insurance company and already trust the one you’re with? Just politely say no.
Piece of advice for dealing with your insurance company
It is always advisable to have a clear vision or direction on what you want them to convey to your insurance company.
Are there any special restrictions as to what amount of the loss of a hired car or damage to it, your policy will cover? In this regard, it would be pertinent to know if there is any condition accompanying my rental car insurance or if there are certain limits that are placed when I am on the road.
Get ready with details. Make sure you have your car insurance policy number and information about the rental car handy when you call your provider. For example, the type of car and the rental company should be ready. This lets them give you information that is correct and very specific to your needs.
Think about documentation. After you talk to your insurance company, ask for a written answer with information about the rental car. You can make this extra information when you rent something.
Key Pack Smart is all about documentation. Lenders will want to see proof that your renter’s insurance covers your car, so bring a copy of the policy statement page with you. You can also get a copy of the Minnesota rental car insurance law from the website of the Minnesota Attorney General.
Keep it close by. You can scan these papers and save them on your phone, or you can put them in a wallet pocket with your IDs. When you pick up your rental car, having them on hand helps because you can look at them right away.
Haven’t been sure how to get going? Have fun on your trip to Minnesota!