Joe Robach and his office know that renting a car is often a necessity, even for people who own one.  In today’s society, there are a number of reasons why people rent a car.  Some of the reasons include: vacations; business trips; or one’s own personal vehicle is in the shop for repairs.  In all, there are millions of car rentals each year in New York.

Though, Joe Robach and his office know that renting a car is a common experience, the transaction can be perplexing.  There are a host of add-on charges and regulations pertaining to car rentals.  To avoid unnecessary charges, it is important to fully understand the procedures of renting a car in New York State. 

Selling consumers additional insurance coverage is optional.  The primary way car rental companies increase the cost of rental is by unnecessarily duplicating coverage that consumers already have.  It is important to know that car rental companies are prohibited from refusing to rent you a car unless you purchase the additional insurance.  These coverages are all optional.

There are four different types of insurance-like coverages that companies try to sell to consumers at the rental counters they include: Collision Damage Waiver (CDW), Supplemental Liability Protection (SLP), Personal Accident Insurance (PAI), and Personal Effects Coverage (PEC).  Combined, they can add up to $30 per day to the rental bill.  Each coverage protects against a different risk, but an individual’s car, home and life, health insurance policy, or credit card, may provide all or part of the protection he/she needs, particularly when combined with the minimum insurance the car rental is required by law to provide as a part of every rental. 

For more information on the provisions of each coverage, contact the office of Joe Robach.