What should I do if I accidentally encounter a collision with a car while renting a car for domestic travel? When an accident really happened, I learned that the car rental company only insured the most basic compulsory insurance. The compulsory insurance only covers people, and the car would have to absorb the damage itself. Just going out to have fun, but you didn’t expect to be charged tuition? Come on, come here and take a look at what you need to know before renting a car for traveling, so that even if you encounter an accident, you can easily pass on the risk of compensation!

Car rental is the first choice for self-driving domestic travel
You can ask your colleagues around you (oh, don’t be the rich second-generation colleagues) if you want to buy a car? For Taipei City, the cost of keeping a car itself is a considerable burden. Free parking spaces in Taipei City are difficult to find, and paid parking lots are expensive. Overall, cars are not suitable for commuting. Most of the time, people who have the habit of traveling or plan to transport their children to and from school plan to buy a car. Therefore, in addition to public transportation, renting a car has become the first choice for many people when traveling. Sharing services are now popular. Currently, there are two well-known shared car brands in Taiwan, namely iRent and ZipCar. The car rental methods include renting and returning the car at any time or renting and returning the car at a fixed point. You can freely choose from both.

Before traveling, pay attention to the car rental company’s guarantee content. When A arrives, the gain outweighs the gain.
Regardless of whether you have driving experience or not, people who choose to rent a car should usually be people who "don't have a car around them." Even if you are experienced in driving, there may be unexpected collisions on the road, and you usually don't need to use it. I may not know much about car insurance. When an accident occurred, I discovered that the car rental company only insured their cars with the compulsory insurance prescribed by the government. The additional repair costs and business losses had to be borne by the renter, so he had no choice but to Think of it as paying a tuition fee.

In addition to the compulsory insurance, the car rental company may also have additional insurance if it is a chain car rental company, such as collision liability insurance and third-party liability insurance (including third-party bodily injury and third-party property damage), etc... For car rental-related insurance, in theory, the car rental fees of a car rental agency that includes these will be higher than those of ordinary car rental agencies, but at the same time, the insurance protection is quite complete. Everyone can check the insurance status of the car dealer before renting a car to see if the coverage is complete. If it is not enough, it is not too late to read our domestic travel car rental insurance guide.

Domestic travel rental car insurance coverage covers self-impairment?
Even if your pocket is deep enough, no one wants to pay tuition for no reason. If you want to transfer the risk and let the insurance company pay the relevant compensation for you when a car accident occurs, in addition to relying on the car rental company's insurance, before traveling, You can also consider purchasing domestic travel rental car insurance, and you can easily top up the protection yourself!

Let’s first talk about the common insurance items of domestic travel rental car insurance:

Compulsory insurance: The government stipulates that automobiles and motorcycles must be insured before going on the road, so it is also called "compulsory insurance." The objects of protection are our passengers, the other party’s driver, the other party’s passengers, and passers-by outside the vehicle.
Third party liability insurance: Our driver is the first person, and our passengers are the second person. The "third party" here refers to other people or things other than our driver and passengers, such as the other party's driver, or It's the other party's car, and these will be covered by this insurance.
Third-party bodily injury liability insurance: If the compulsory insurance does not cover the damaged parts of the human body, the third-party bodily injury liability insurance will pay for it.
Third-party property damage liability insurance: What compulsory insurance and third-party bodily injury liability insurance have in common is that the scope of claims lies in "people", and its coverage does not include "objects". But when an accident occurs, both parties' vehicles may need repairs. At this time, third-party property damage liability insurance can come in handy to compensate for the damage to the "other party's vehicle".
Vehicle body damage liability insurance: When an accident occurs, the damage to the other party's vehicle can be covered by third-party property damage liability insurance. What about the damage to "our vehicle"? We can use body damage liability insurance to cover the repair costs of our vehicles.
In addition, most of the car body insurance in travel insurance and rental car insurance only cover "car collision". As for whether "self-collision" is covered by this type of car body insurance, we can look at the insurance terms or The official website explains this to confirm: