Does My Insurance Cover Rental Cars

What sort of comprehensive collision and liability coverage do you have.

Does my insurance cover rental cars. Types of insurance needed for rental cars in order for your primary automotive insurance to cover your rental car you ll need three types of coverage. Auto insurance from erie insurance is designed to suitably protect you and your family for incidental use of a car that s not your own such as a short term rental of less than 45 days. Hire car insurance works quite differently from the insurance you ll have on your own car. Does it extend to rental cars you may drive.

The coverage you have from your primary car insurance should cover a rental vehicle. If you cause an accident while driving the rental car your liability insurance would pay up to your policy limits for the damages done to other cars or property. In addition to your auto insurance certain credit cards offer extra insurance if you pay for a car rental using that card according to the insurance information institute iii. But that so called secondary coverage can be valuable.

That means if you carry comprehensive and collision coverage on your daily ride you ll be protected against physical damage to your rental car. The first factor that should influence your decision is your existing car insurance coverage. You have no other source of coverage. Take the time to review your coverage.

All rental cars have to have three basic types of cover to be on the road. Your personal car insurance has a very high deductible doesn t include adequate collision or comprehensive coverage or doesn t cover rental cars some don t. In many cases your existing policy will cover rental vehicles at least to some extent. Note that rental car insurance is not the same as rental car reimbursement coverage an auto policy option that covers the cost of a car rental if your vehicle is being repaired as part of a claim.

The coverage that most credit cards offer typically for damage to or theft of the rental car kicks in after your personal auto insurance pays. If you have extra rental car insurance through a credit card issuer call the toll free number on the back of your card and have them explain your options in detail before you reserve your car. Your personal auto insurance including all limits and deductibles extends to almost any rental car you drive. For example if you don t own a car and therefore have no personal car insurance policy and you re not using a credit card that offers rental car.

In most cases your personal car insurance should cover you but let s take a closer look. In most countries every rental car needs a basic package of three types of cover but how you get them varies. Liability collision and comprehensive.