If you have a personal car insurance policy it includes liability coverage and any additional coverage youve opted for such as comprehensive or collision.

Does personal insurance cover a rental car. Insurance in your auto policy for rental car costs. While your regular car insurance policy may include collision coverage for rental cars it most likely includes a deductible and may not pay for all the rental car companys charges such as loss of use charges for the money the companys losing while its car is in the shop. Some rental car rates are surprisingly cheap.

In many cases personal property may be covered by a homeowners or rental insurance policy but not by your auto insurance. While some travellers often make it a personal rule to say no to all of the above declining insurance on your rental when youre less than fully covered by a credit card or personal policy could end up costing more in the long term. Your personal auto insurance including all limits and deductibles extends to almost any rental car you drive.

The coverage limits and deductibles on your personal policy also apply to your use of a rental car. Ii Your credit card may include free collision damage coverage but credit card rental car insurance is typically secondary coverage meaning any claims will go first to your auto insurance. Many drivers decline rental car agency coverage because their personal insurance policy usually extends to rental cars.

Does My Auto Insurance Cover Rental Cars. You may be covered as if youre driving your own car. Generally rental companies will offer a loss-damage waiver or collision-damage waiver liability insurance personal accident insurance and personal effects coverage.

Credit card companies also offer additional rental car. Your regular auto insurance can extend to vehicles you rent on a temporary basis and drive for personal use. Just know that this coverage typically only covers physical damage to the rental car so youll still need separate liability coverage.

If youre renting a car in the US. Car Insurance Cover Rental Car. You dont have an Auto or personal property policy with us.