On a recent rental in Iceland I was concerned about the liability aspect and was told I would be covered if I took out their Super Collision Damage Waiver for extra cost.

Does auto insurance cover rental car damage. Yes you pay half. Personal auto insurance policies often but not universally cover rental cars. To get this coverage you need to use the credit card to reserve and pay for the rental vehicle.

Account for collision and comprehensive as well as liability. Generally rental companies will offer a loss-damage waiver or collision-damage waiver liability insurance personal accident insurance and personal effects coverage. Your personal auto insurance including all limits and deductibles extends to almost any rental car you drive.

Personal auto coverage for rentals may be less comprehensive than for your own car. Your Progressive auto coverage limit is the same for your primary vehicle and rental cars. Your liability coverage also applies when you get behind the wheel of a rented vehicle.

If the cost to fix your vehicle is more than half your deductible your basic plate insurance covers the difference. A note of caution the OPCF 27 is only valid for driving non-owned automobiles in Canada and the United States. You may want to opt for the collision damage.

If you damage the rental car this waiver may help cover the cost of repairing it. In Europe car rental rates typically include liability insurance. If youre renting a car in the United States your regular car insurance may cover you for bodily injury liability which pays for injuries suffered by other people in an accident for which youre held responsible.

You and the other driver are equally responsible for the collision and your vehicle was damaged but the other driver is uninsured or from outside Saskatchewan. The reason I ask is that my own insurance covers liability when I rent a car in the US but not outside and my credit card covers damage to a rental car in most countries but not liability. CDW is similar but it only covers losses caused by collisions.