You Auto Be Covered - Travel Accident Insurance Plan
A travel accident insurance plan, among other things, offers protection for You and others should You be involved in a vehicular collision while driving a rental car. a Travel accident insurance plan also protects You from having to reimburse the rental car company for damages to their vehicle.
Be aware, however, that travel insurance doesn't necessarily mean it is a travel accident insurance plan.
Virtually all travel insurers offers trip cancellation, emergency medical evacuation, medical emergency and lost luggage coverage but not all provide coverage for medical issues for You and the other parties involved in an auto accident, or for theft or damage to the rental vehicle.
Travel accident insurance plan carriers who provide car rental coverage do so at maximums of $25,000-$50,000. In addition to damage caused by an automotive collision this travel accident insurance protects You in case of theft or vandalism of the vehicle, and damage caused by natural causes such as fire, hail, flood or win. Most of These carriers will not cover recreational vehicles or motorcycles. Nor will they even cover four wheel drive vehicles or vehicles they refer to as exotic, such as Jaguars, Ferraris, Lamborghinis and Rolls Royces. So ask good questions befor e You make a travel accident insurance purchase.
To qualify for this reimbursement You need to have a valid driver's license and be one of the parties listed on the rental agreement. You will generally not have to pay a deductible, and You can pay for a travel accident insurance plan online with You r credit card.
Prices for travel accident insurance vary according to the number of persons in the party, their ages and their country of residence. The cost will also vary according to the time period You wish coverage. These travel accident insurance plans are part of a larger trip or travel insurance policy.
In looking at a trip within the United States for two U.S. residents of South Carolina who are 38 and 36 years old and taking a trip that's costing each of them $1500 for one week, a request for comparison quotes yielded travel accident insurance costs at one site ranging from $135-$138. Two carriers offered atravel accident insurance plan providing a maximum of $25,000 of rental car insurance, and their quotes were $82.90 and $102.00. While this may seem a somewhat hefty price tag for a week's trip, keep in mind the cost of You rs or someone else's medical car in case of accident, or the replacement or repair of the rental vehicle.