In order for your primary automotive insurance to cover your rental car youll need three types of coverage.

Does insurance company cover rental cars. However there are cases when the insurance company credit card or third-party insurance does not agree to cover an extraordinary cost charged by the rental company. Your own insurance does not fully cover the rental car. This is an endorsement if your vehicle is getting repairs due to accident damage to pay for rental expenses.

American Express Gold Card. Does My Auto Insurance Cover Rental Cars. Insurance in your auto policy for rental car costs.

When you pick up your rental car the counter staff might offer you extra types of cover or insurance. Just know that this coverage typically only covers physical damage to the rental car so youll still need separate liability coverage. Many travelers prefer to forgo the expensive insurance of car rental agencies and do not encounter any problems at the end of use.

Your coverage may be set at a daily limit like 40 a day for 30 days or an overall maximum dollar amount like 1000. A rental car will only be covered by your insurance if you have rental car reimbursement also called substitute transportation coverage or loss of use coverage as part of your auto policy. Insurance for rental cars refers to one of two things.

The coverage limits and deductibles on your personal policy also apply to your use of a rental car. In order to be covered for liability and personal accident insurance your Ontario auto insurance policy needs the OPCF27 liability for non-owned automobiles endorsement to be transferable to a rental car. Platinum Card from American Express.

Rental car reimbursement is an affordable add-on to your insurance policy. Personal effects coverage may help cover your personal belongings such as a cellphone or clothing if theyre stolen from your rental car. Personal auto coverage for rentals may be less comprehensive than for your own car.