If you are borrowing a Turo car you still may be covered by your personal car insurance or your credit card.

Does my personal car insurance cover rental car. Making a claim on this rental car insurance policy will not increase the cost of your personal auto insurance premiums. The coverage limits and deductibles on your personal policy also apply to your use of a rental car. Many private car insurance policies cover you to drive any vehicle.

If this is the case you will be covered to borrow any car. Your liability coverage also applies when you get behind the wheel of a rented vehicle. It insures the driver in case of personal injury.

In many cases personal property may be covered by a homeowners or rental insurance policy but not by your auto insurance. Without it you would have to pay for any damage out of pocket above basic protection. If you dont have a vehicle you can get it from the rental company or your.

It may be worth asking an associate from the rental company what their policy is regarding personal property stolen from their vehicles. Personal accident insurance is another common addition to standard car rental cover. Generally rental companies will offer a loss-damage waiver or collision-damage waiver liability insurance personal accident insurance and personal effects coverage.

If youre renting a car in the US. However if your personal or business auto insurance policy has a rider or endorsement that provides coverage for rental vehicles it will take precedence over this policy. Credit card companies also offer additional rental car coverage that kicks in if the damage exceeds personal insurance coverage.

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. That means if you carry comprehensive and collision coverage on your daily ride youll be protected against physical damage to your rental car. If you have renters or homeowners insurance these items may already be protected.