If you have liability collision and comprehensive insurance on your own vehicle you will already be protected at least up to the policys limits for most of the coverages that are typically offered by rental companies.

Does my progressive insurance cover rental car damage. Your Progressive car insurance covers rental cars to the same limit. Physical damage to the rental vehicle may be covered if you carry it on your own vehicle. Liability Insurance and Rental Trucks On the flip side some personal auto insurance policies do provide liability car insurance coverage for you to drive rental trucks.

Some car insurance companies will allow you to purchase special policy protections that cover you for business use. The one caveat with using your insurance is theres a cap on the number of days. Depending on your provider andor situation you may need additional coverage to be fully protected while driving a rental car.

However if you have basic coverage physical damage or a loss to the rental vehicle will not be covered. A deductible will apply. There are certain exceptions with your coverage you need to be aware of.

That means if you drive a brand new Audi and rent a compact car youre good to go. This means property damage and bodily injury you cause another party may be covered by your car insurancejust not damage you cause to the U-Haul truck youve rented. In addition most renters or homeowners insurance policies cover personal items that could be stolen from your rental.

There may be additional fees from the rental car company for the loss of use of their vehicle that your credit card wont cover. Does your insurance policy include rental coverage. Your auto insurance may be able to cover the costs of a replacement rental as long as the damage to your car was caused by a covered loss.

For example coverage may not include certain types of vehicles or it may exclude one or more areas of coverage such as theft or damage. Likewise your auto liability coverage could pay for damage or injuries that you cause to others in an accident in your rental car For example customers of Progressive car insurance. Your insurance company then goes after the other insurance company to get reimbursed for the money they paid for your rental car.