Renting a car from a rental car company or the car-sharing marketplace.
Is a rental car covered under my insurance. Your liability coverage will generally extend to the car but comprehensive insurance coverage and collision insurance coverage may not. Your liability insurance will cover a rental car but only the damage that you do with your rental car not the damage that you do to your rental car. Rental Vehicle coverage gives you and your rented vehicle great protection at a very affordable rate.
Another driver hit my car and one other car in an accident and both are totaled. 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. If you are driving internationally you will have to purchase coverage elsewhere.
Bow Valley Insurance strongly advises that you consult your insurance provider before renting a vehicle anywhere. Theres no need to buy personal effects insurance from a rental car company. If I rent a vehicle or a U-Haul is it covered under my personal car insurance policy.
Naturally the car rental insurance is only in force when you use that credit card to purchase the car rental. For example if you have liability only coverage on your policy you would have liability only coverage for the car or U-Haul you are renting there would be no physical damage coverage. Keep in mind that your full coverage might not extend to a rented or borrowed vehicle.
The guy that is at fault for the accident only had 5000 in property damage coverage. Not all credit cards offer car rental insurance. His insurance company is waiting for the total damage from the other person in the claim.
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. In most cases your existing car insurance will automatically extend accident benefits and third party liability coverage to the rental vehicle. For that reason its important to understand what your personal auto insurance covers and what the rental agency is offering.