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Does my personal car insurance cover rental car damage. Rental car insurance is usually broken out into the following coverages. When you book a car. Ad Widest Choice of Policies.

At the rental counter you might also be offered personal effects insurance which covers your personal belongings in the car. If you have a personal car insurance policy it includes liability coverage and any additional coverage youve opted for such as comprehensive or collision. Personal accident insurance is another common addition to standard car rental cover.

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. Collision Damage Waiver CDWLoss Damage Waiver. Personal effects coverage may help cover your personal belongings such as a cellphone or clothing if theyre stolen from your rental car.

This is especially true now that rental car companies are competing with ride-sharing. That means if you carry comprehensive and collision coverage on your daily ride youll be protected against physical damage to your rental car. You will not usually be covered for damage caused while you were breaching the rental agreement or caused by negligence or using the wrong fuel.

Find our which policies will cover you for Key Loss or Misfuelling. Your existing policy and personal health insurance may provide coverage comparable to what the rental company is offering. If your personal auto insurance policies have high deductibles and youre worried about having to pay for minor damage such as dings or scratches on your rental the CDW will relieve you from responsibility for these repairs.

That coverage may extend to your rental car as long as you drive it for personal use. If your locked rental car is broken into while youre traveling the travel insurance add-on will cover any damage or vandalism of the vehicle. Travel insurance coverage most likely will also include personal effects coverage to reimburse you for the items that were stolen as well.