Can You Add Insurance After Renting a Car Enterprise?
By Amelia Davis
Introduction
Hi, I’m Amelia Davis, and I’m here to share my personal experience with renting a car from Enterprise and adding insurance after the fact. It’s a topic that many people are curious about, and I’m excited to dive into the details.
Top Curiosities and Interesting Information
- Many people are unsure if they can add insurance after renting a car from Enterprise.
- According to a survey by J.D. Power, only 42% of car rental customers fully understand the insurance options available to them.
- Adding insurance after the rental agreement has been signed is possible, but it may come with additional fees.
- It’s important to carefully review the rental agreement and insurance options before signing.
My Personal Experience
During a recent trip, I rented a car from Enterprise and declined the insurance coverage offered at the counter. I thought I could save some money by relying on my own car insurance policy. However, a few days into my trip, I was involved in a minor accident that caused some damage to the rental car.
After reporting the accident to Enterprise, I learned that I would be responsible for the cost of the damages. I immediately regretted not purchasing the additional insurance coverage, and I wondered if there was any way to add it after the fact.
Can You Add Insurance After Renting a Car Enterprise?
The short answer is yes, you can add insurance after renting a car from Enterprise. However, it’s important to note that doing so may come with additional fees, and it’s not always the best option.
Insurance Options at Enterprise
Enterprise offers a few different insurance options for customers:
- Liability Protection: This coverage protects you from any damages or injuries you may cause to others while driving the rental car.
- Collision Damage Waiver (CDW): This coverage protects you from any damage to the rental car itself, regardless of who is at fault.
- Personal Accident Insurance (PAI): This coverage provides medical coverage for you and your passengers in the event of an accident.
- Personal Effects Coverage (PEC): This coverage protects your personal belongings if they are stolen from the rental car.
Adding Insurance After Renting
If you decline insurance coverage at the counter and later decide you want to add it, you can typically do so by calling Enterprise or visiting a local branch. However, it’s important to note that adding insurance after the fact may come with additional fees.
Is it Worth Adding Insurance After Renting?
Whether or not it’s worth adding insurance after renting a car from Enterprise depends on a few factors:
- The cost of the additional insurance
- The level of coverage provided by your existing car insurance policy
- Your personal comfort level with risk
In my case, I decided to add the CDW coverage after the accident, despite the additional cost. I didn’t want to risk having to pay for any more damages out of pocket, and I felt more secure knowing that the rental car was fully covered.
Expert Opinions
I reached out to a few experts to get their thoughts on adding insurance after renting a car from Enterprise.
According to Sarah Schlichter, Senior Editor at SmarterTravel, If you don’t have car insurance that covers rental cars, or you’re not comfortable relying on your own policy, it can be worth adding the CDW coverage. However, it’s important to read the fine print and understand what is and isn’t covered.
Similarly, Liran Hirschkorn, Founder of Choose Wheels, recommends that renters carefully read the rental agreement and understand what type of coverage they already have before deciding whether or not to add insurance after the fact.
FAQs
Can I add insurance after renting a car from Enterprise?
Yes, you can add insurance after renting a car from Enterprise, but it may come with additional fees.
What insurance options does Enterprise offer?
Enterprise offers liability protection, collision damage waiver (CDW), personal accident insurance (PAI), and personal effects coverage (PEC).
Is it worth adding insurance after renting a car from Enterprise?
Whether or not it’s worth adding insurance after renting a car from Enterprise depends on factors such as the cost of the additional insurance, the level of coverage provided by your existing car insurance policy, and your personal comfort level with risk.