does your car insurance cover rental cars

March 6, 2023
does your car insurance cover rental cars

Does Your Car Insurance Cover Rental Cars?

When you’re heading on a road trip or planning a vacation, chances are you’ll need to rent a car. But while car rental may be convenient, it could also leave you wondering – what if something goes wrong? So, does your car insurance cover the costs of renting a car?

Car Insurance & Rental Cars

Generally speaking, most car insurance policies do cover rental cars. However, the extent of coverage may vary depending on the specific policy and other factors. Here is what you should generally expect from your car insurance when you rent a car:

  • Collision and Theft Coverage: If something happens to the rental car due to an accident or theft, your car insurance may cover the cost for the repairs.
  • Liability Coverage: If the rental car is involved in an auto accident and it is deemed your fault, your car insurance may cover any costs associated with injuries or damage done to the other person’s property.
  • Medical Coverage: Your car insurance may provide coverage for any injuries you or other passengers suffer, no matter who is found at fault.

Extras Coverage

Many car insurance policies may also provide coverage for such things as towing and road assistance. However, these services may not always be available when you rent a car, so make sure to double-check with your provider to avoid any disappointments.

What if Extra Coverage is Needed?

If you need additional coverage when you rent a car, most car rental centers offer a number of types of insurance to choose from. This may include liability, Collision Damage Waiver (CDW) and loss damage waiver.

Check Your Policy

Before you rent a car, it’s important to familiarize yourself with your car insurance policy. That way you’ll know exactly what kind of coverage you have, and what you may need to pay for yourself.

In the end, knowing whether your car insurance covers rental cars can be crucial for your peace of mind, when taking a road trip with your family or friends.

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