If you have rental reimbursement coverage your auto insurance will pay for a replacement rental car if your own breaks down or is in the shop due to a covered loss.
Does my progressive insurance cover rental cars. Progressive rental car insurance is included in your personal car insurance policy and a rental car has the same coverage with the same limits as your personal car. If you own collision and comprehensive coverage on your personal auto insurance policy you can usually choose to decline this waiver which typically costs about 9 to 19 per day in the US. If you only have liability coverage your insurance will pay for the other drivers injuries and property damage in an at-fault accident.
A covered loss is a claim or incident that is covered under the terms in your policy. That means if you drive a brand new Audi and rent a compact car youre good to go. This covers vehicles in your care custody and control including rentals if theyre stolen or damaged for you and anyone listed on your policy.
The caveat is that this coverage extends to the same limits of your personal auto insurance policy. Rental car coverage can be used anytime your vehicle can not be driven due to a covered loss even if you are away on vacation. On the flip side some personal auto insurance policies do provide liability car insurance coverage for you to drive rental trucks.
Guests who rent cars will need to have a personal car insurance policy as well but you can buy Turo liability insurance with higher coverage limits for the duration of your rental. If you cause an accident while driving the rental your liability insurance would pay up to your policy limits for the damages to other cars or property. This means property damage and bodily injury you cause another party may be covered by your car insurancejust not damage you.
The majority of Progressive rental reimbursement policies come with a 3030 limit 30-per day for 30 days and these limits are for each incident or claim over the course of your policys term. Your Progressive car insurance covers rental cars to the same limit. When financing or leasing a vehicle your lender may use the term full coverage but that simply means theyre requiring you to carry comprehensive and collision plus anything else your state mandates.
These insurance companies include GEICO Progressive and Allstate. All of these car insurance companies have been known to exclude Turo rentals for owners. 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 generally.