When you pick up your rental car the counter staff might offer you extra types of cover or insurance.

Does my own car insurance cover rental car. You do not want to be taken to court and have a lien placed on your house in order to pay for rental car damage. If for example you borrowed your neighbours car when your vehicle was in the garage you would more than likely be covered by your own insurance. Credit card rental car insurance often excludes coverage for liability or personal injury to you or others.

Not all credit cards offer car rental insurance. If the deductible on your auto insurance is high it would apply. In most cases your own car insurance policy applies when renting a car so you may not need to buy additional protection from the rental car company.

Many credit card companies offer what amounts to supplemental car insurance coverage. Find out what you need to know to protect yourself when you rent a car. These can either replace your primary insurance coverage or offer supplementary coverage depending on the card and provider.

If you dont own a car and dont have regular auto insurance you may be required to buy some rental car insurance depending on laws in the state where you drive. If you have insurance coverage that covers you for rentals it may not cover you for borrowing a Turo car. There may be additional fees from the rental car company for the loss of use of their vehicle that your credit card wont cover.

In other words buying rental car insurance coverage may duplicate what you already pay for. When you book a car. If you own a car and you are renting for recreation or as a temporary replacement the rental will be covered.

Insurance only covers the cost of a rental car if your car is being repaired due to a covered event. If you need a new vehicle. These policies are available to protect the vehicle your personal belongings and liability.