The question is often asked over a car rental agency's counter: "Would you like to buy additional insurance coverage for the car you're renting?"

Before making that decision, there are some things you should know. Most personal auto insurance policies sold in New Jersey provide you with some coverages for a rental car: They are:

• Liability coverage for damage or injury you cause;
  
• Comprehensive and collision coverage (if you have them on your own vehicle);
  
• Personal injury protection for your injuries or those of your passengers: and Uninsured motorists coverage in case of an accident with an uninsured motorist.
• (These coverages do not apply if you rent a pickup or van for business use.)
  

What's not covered under your auto policy for a rental are charges the rental agency might hold you responsible for while the vehicle is out of use. Generally, this is a daily charge and can be up to $200 per day!

And, you can be held liable for damage to the car even if it's not your fault. These two issues would be taken care of if you bought the additional rental insurance.

We're ready to advise you on how to protect yourself from financial loss. Our agents are available M-F, 9am - 5pm EST. Within New Jersey call: (888) 464-8284, Outside New Jersey call: (908) 464-6100. Or you can get a free online quote here.

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