Travel without worries: Why rent a car with CASCO Insurance

In a constantly moving world, renting a car often appears as the perfect solution to enjoy complete freedom during travels, whether for business or pleasure. In this context, CASCO insurance for rented cars becomes an essential pillar of this freedom, offering not just protection, but also the peace of mind you need when on the road.

In this article, we will discuss what this insurance covers and, equally important, what is not included in the policy. We will also share essential steps to follow in the unfortunate event of an accident, to keep your experience with a rented car as pleasant and worry-free as possible.

What is CASCO Insurance?

CASCO insurance is a type of car insurance that covers a wide range of vehicle damages. This insurance, being optional, is concluded in addition to mandatory insurance, such as RCA (Civil Auto Liability). It can be tailored according to the needs and budget of the insured, offering different levels of coverage and additional options. By taking out CASCO insurance, the insured protects themselves from unexpected costs associated with unforeseen and unpleasant situations.

Why choose a rented car with CASCO Insurance?

Opting for a rented car with CASCO insurance is a wise decision as it offers the following advantages:

• Protection against accidental damage. The first and most obvious benefit of renting a car with CASCO insurance is protection against accidental damages. Choosing a rented car with CASCO insurance helps you avoid unexpected expenses and enjoy a stress-free journey.

• Flexibility in choosing the vehicle. When renting a car with CASCO insurance, you have the option to choose from a wider range of rental cars, without feeling limited in options due to associated financial risks.

• Passenger safety. When renting a car with CASCO insurance, not only is the vehicle protected, but also the safety of the passengers. In case of an accident, the insurance can cover medical costs or other expenses related to the treatment of passengers.

• Safety abroad. CASCO insurance is not limited to the territory of the Republic of Moldova but offers coverage in other regions, including Europe and the CIS. This means that the CASCO policyholder will have protection for the car during trips abroad.

• A good reputation for car rental service companies. Companies that offer the option of CASCO insurance for rented cars are usually recognized for their professionalism and commitment to customers and are an indicator of quality and superior service.

What damages does CASCO Insurance cover?

• Damages caused in accidents. Repair or replacement of the vehicle in case of an accident, regardless of whether the insured driver is at fault or not.

• Theft. Covering the costs of replacing the vehicle in case of theft or compensation based on the market value of the car at the time of the event.

• Damages caused by natural disasters. CASCO covers damages caused by natural phenomena, such as floods, storms, hail, landslides, or earthquakes.

• Fire. Covering the costs of repairing or replacing the vehicle in case of a fire, regardless of whether it was caused by an external event or a defect in the car.

• Vandalism. Covering the costs of repairing the vehicle if it is damaged by acts of vandalism.

• Damages to third parties. Covering the costs of repairing or replacing foreign vehicles damaged in an accident involving the insured vehicle.

What damages are not covered by CASCO Insurance?

Although CASCO insurance offers additional protection in many situations, there are cases where the insurance company may refuse compensation for damages, such as:

• The driver intentionally caused damage to the rented vehicle.

• Damages were caused by the driver's negligence, such as violating traffic regulations.

• At the time of the vehicle theft, the keys and registration certificate were inside it.

• The driver operated the rented vehicle under conditions prohibited by the contract, such as outside the specified area or abroad without permission.

• The insurance company was not notified of an accident or damage within the time specified in the contract.

• The vehicle was driven by a person without a valid driving license for the respective category or had a suspended, canceled, or withdrawn license.

• The vehicle was driven by a person who was not authorized to drive according to the concluded insurance contract.

• The driver was under the influence of alcohol, substances, or refused a medical examination to detect the use of prohibited substances.

• The vehicle was used in car competitions or other sports events.

What to do in case of an accident with a rented car that has CASCO Insurance?

When driving a rented car with CASCO insurance, it is essential to know the steps to follow in case of an accident, to be informed and prepared, which will lead to better management of the situation, minimizing stress and confusion.

We propose a guide that will give you a clear idea of what you should do if you find yourself in such a situation.

Step 1. Make sure everyone is safe. First of all, check if all those involved in the accident are okay. If someone is injured, call emergency services at 112.

Step 2. Notify the police about the accident. Depending on how serious the accident was, it may be necessary to notify the police (at the emergency call number 112). This becomes mandatory if the accident led to someone's injury.

Step 3. Document the incident. If possible, take pictures or film at the scene of the accident. Include damages to the car, the position of the vehicles, nearby traffic signs, road conditions, and any other relevant details.

Step 4. Exchange information with the other parties involved. This includes names, phone numbers, addresses, registration numbers, and insurance information.

Step 5. Contact the car rental company. Notify your car rental agent about the accident as soon as possible. They will give you instructions on what to do next.

Step 6. Fill out an amicable statement. If the accident was minor and all parties involved agree on the circumstances of the accident, you can fill out an amicable statement. This is a standard form that both parties complete and sign to confirm the details of the accident.

Step 7. Follow the compensation procedure. After you have reported the accident, you need to follow the compensation procedure. This may involve obtaining estimates for repairs or waiting for an investigation by the insurer.

Before you embark on your next adventure, choose wisely and opt for a car rental with CASCO insurance. Enjoy the comfort and freedom offered by this option, being protected in the event of any unexpected accident. Contact us and discover our varied options of rental cars, so you can make the best choice for your needs.

Reserve a car now on CrazyRent.md and travel without worries with CASCO!