Should you purchase the extra insurance at the rental car counter? The short answer: yes. But understanding why can make a big difference in how protected you truly are.

In this video, Chip Frederick breaks down the complexities of rental car coverage—from what your personal auto policy typically covers to the crucial gaps most people overlook, like loss of use and diminished value. You’ll also learn when to rely on your credit card’s supplemental coverage, how commercial policies might respond, and why international rentals carry their own unique risks.

Whether you rent cars occasionally or often, being informed helps you avoid costly surprises. For deeper guidance or help evaluating your risk, our experienced team is here to help. Contact us anytime—we’re here to advise, not just sell.