Among the most crucial things to be aware of when you reserve your Chicago airport car rental is car rental insurance. You may not know this but, there are numerous factors that will affect your decision to buy additional insurance for your rental vehicle. Let’s suppose you need a rental for business purposes only. Your insurance needs will be significantly different from someone who is renting for a family vacation or other leisurely activity. Let me explain…

In most cases the Chicago airport rental agency will give you the option of choosing between three distinctive kinds of insurance: coverage for physical damage; coverage for liability; and coverage for personal effects. Understanding the difference between these three can make a world of difference in deciding what you need. With physical damage coverage, you’ll be getting insurance that is very comprehensive. It protects you from damage to or loss of the vehicle. When renting for business purposes, this type of insurance if required.

The next type we’ll discuss is liability coverage which is protection from injury or damage to property caused when operating your rental car. In most instances, your personal car insurance will not cover the liability aspect of rental vehicle. And finally consider personal effects coverage. It is a form of protection covering damage or theft that could happen to your personal belongings while in your rental car. It covers items you own or items that belong to the company you work for.

The key is in understanding your personal needs before adding insurance to your Chicago airport car rental. Learn to determine the difference between personal effects, physical damage, and liability coverage. You want the maximum amount of coverage possible in order to reduce your personal liability.