Car Rental Loss and Damage Insurance is underwritten by AMEX Assurance Company.

Does my auto insurance cover rental car damage. Does your auto insurance cover rental cars. Your liability coverage also applies when you get behind the wheel of a rented vehicle. That means if you drive a brand new Audi and rent a compact car youre good to go.

If your auto insurance policy includes the OPCF 27 you already have coverage for damage to a vehicle that you dont own such as a rental automobile. Yes you pay half. Your personal car insurance has a very high deductible doesnt include adequate collision liability or comprehensive coverage or doesnt cover rental cars some dont.

Your personal auto insurance including all limits and deductibles extends to almost any rental car you drive. In order for your primary automotive insurance to cover your rental car youll need three types of coverage. A note of caution the OPCF 27 is only valid for driving non-owned automobiles in Canada and the United States.

To get this coverage you need to use the credit card to reserve and pay for the rental vehicle. That means if you carry comprehensive and collision coverage on your daily ride youll be protected against physical damage to your rental car. If the cost to fix your vehicle is more than half your deductible your basic plate insurance covers the.

You and the other driver are equally responsible for the collision and your vehicle was damaged. Subject to additional terms conditions and exclusions. If your current auto insurance have liability coverage for damage to non-owned vehicles your coverage will apply.

Liability insurance for bodily injury and property damage is almost always required nationwide so if you have car insurance youre likely already covered. The caveat is that this coverage extends to the same limits of your personal auto insurance policy. If you have a Progressive auto insurance policy the good news is that youre also covered for rental cars.