Abels & Annes

Chicago visitors, Illinois residents reminded that rental car insurance is critical in the event of an accident

1107858_chicago_river.jpgInsuring a rental car is critical in the event of a Chicago car accident — Illinois visitors and residents alike are encouraged to know the status of their coverage as we hit the height of summer tourist and driving season.

Chicago car accident lawyers at Abels & Annes remind motorists that driving a strange car in a strange area puts rental cars at increased risk for accident.

Insuranceagents.com has issued a reminder of the importance of making sure proper coverage is in place for a rented vehicle.

“The worst thing that could ruin your trip is finding yourself in an emergency and without any rental car insurance,” the agency said. “The costs for even a minor accident could be astronomical. Do you know if you’re already insured for a rental car, or do you need additional coverage?”

Those renting a car need to check their own car insurance policy to see if it includes rental car insurance. Another source of coverage can be your credit card, which can include coverage for cars rented using the card. However, such coverage often applies only to damage to the car and not personal injury or medical expenses.

“First call your auto insurance agent to verify whether your auto insurance policy extends to rental cars as well. In general, if you are traveling for pleasure, such as a vacation or visiting family or friends, your policy will also cover a rental car,” according to the Insuranceagents.com article, ‘Rental Car Dilemma: Would You Like Insurance With That?’ “Be careful though: any gap in coverage in your own auto policy applies to your car rental.”

The article warns business travelers that personal auto insurance often does not cover someone traveling for business and supplemental insurance from the rental agency may be required.

Some typical types of supplemental coverage includes:

– CDW (Collision Damage Waiver) and LDW (Loss Damage Waiver): These waivers cover you for any theft, vandalism, or physical damage resulting from an accident.

– PAI (Personal Accident Insurance): This coverage applies to any medical costs related to an accident with the rental vehicle.

– SLI (Supplemental Liability Insurance): This type of coverage extends your liability coverage, usually up to $1 million.

-PEC (Personal Effects Coverage): If your personal property is stolen or damaged while inside the rental vehicle, it will be covered under this insurance coverage.


The Chicago car accident attorneys at Abels & Annes understand vacation travelers are on a budget. But, whether coming to Chicago on vacation or leaving the area for a vacation, researching what coverage you already have available is critical and the few dollars spent on supplemental coverage can be a wise investment.

If you are involved in a Chicago car accident, the personal injury and wrongful death lawyers at Abels & Annes offer free appointments to discuss your rights. Call (866) 99-ABELS. There is no fee unless you win.