In most cases your existing car insurance will automatically extend accident benefits and third party liability coverage to the rental vehicle.

Does my regular car insurance cover a rental. The answer it depends. What Does Rental Car Insurance Cover. However in general the insurance options offered by a rental company often overlap with insurance policies you already have.

This means property damage and bodily injury you cause another party may be covered by your car insurancejust not damage you. Auto insurance coverage Check with your insurance provider to verify what they cover in a rental car accident and where this is stated in your policy. If you already have collision and comprehensive insurance you do not need to duplicate your coverage.

On the flip side some personal auto insurance policies do provide liability car insurance coverage for you to drive rental trucks. Insurance in your auto policy for rental car costs. You could have varying degrees of rental car insurance coverage from your personal car insurance policy your travel credit card your cashback credit card and even your home or tenants insurance.

Whether or not you need rental car coverage may depend on the insurance that you already carry. 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 coverage limits and deductibles on your personal policy also apply to your use of a rental car.

A note of caution the OPCF 27 is only valid for driving non-owned automobiles in Canada and the United States. If you have renters or homeowners insurance these items may already be protected. 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.

This endorsement transfers the coverage from your personal vehicle to the rental vehicle and your provider can assist you in arranging for this additional coverage. If you carry comprehensive and liability coverage on your personal car coverage typically will extend to your rental car within the United States. If your auto insurance policy includes the OPCF 27 you already have coverage for damage to a vehicle that you dont own such as a rental automobile.