Renting a car can seem like a daunting process for the inexperienced traveler. There are a number of things to research and to take into consideration. You'll need to search for the car model that fits your needs and a price that works with your budget. Once you find the right car for you and reserve it, your research isn't done there. Insurance is a large part of your rental cost and you should know what you need and what you can do without. Here's an overview of car rental insurance.

Rental Insurance is Required

Most car rental companies require you to have insurance on your rental and most states require you to have insurance by law. While you are driving the car you are responsible for it, whether a mishap is your fault or not. So make sure you are covered in case there is a theft or accident.

Types of Coverage

Basically, there are two types of car insurance. The first type protects the owner of the car; in this case, the rental car company. For example, if you get into an accident and the car is totaled, the car rental agency will get a new car paid for by the insurance company. It also protects the owner from being liable for damages as a result of an accident such as property and personal injury. The other protects you, the driver from mishaps that may happen that are not your fault which includes theft and vandalism of the vehicle. Usually car companies require you to have both types of insurance and if it's not required then it's still a good idea to have both.

You Might Already Be Covered

If you already have car insurance coverage for your vehicle at home then you may be covered for rentals. Check with your insurance company to see if you are covered and if so, the conditions. Ask if you're completely covered in the states you'll be driving. Also ask about how much the deductible is if you get into an accident or the car is stolen. It's wise to ask for a copy of the conditions of your insurance so there is no miscommunication. If you will be using your own insurance then make sure to bring a copy of your insurance card with you; you may need to present it when you pick up your car.

You may also be covered for part or all of your car insurance by a credit card. Check to see if one of your credit cards carries insurance for car rentals. If so, make sure you meet the conditions and use that card to rent your car. Ask about the deductible in case there is a mishap; this type of coverage usually has a large deductible so you may decide to go with the rental company's insurance. You will also want to verify with the place you're getting your rental. Policies and procedures can vary between and JFK Airport.