A rental car will only be covered by your insurance if you have rental car reimbursement also called substitute transportation coverage or loss of use coverage as part of your auto policy.

Will your auto insurance cover a rental car. To get this coverage you need to use the credit card to reserve and pay for the rental vehicle. Car Insurance Cover Rental Car. That coverage may extend to your rental car as long as you drive it for personal use.

In order for your primary automotive insurance to cover your rental car youll need three types of coverage. Personal auto insurance policies often but not universally cover rental cars. Your Progressive car insurance covers rental cars to the same limit.

5 rows Your auto insurance policy doesnt have the right endorsement. If the deductible on your auto insurance is high it would apply. Credit card rental car insurance often excludes coverage for liability or personal injury to you or others.

Some credit cards offer coverage for damage theft accident and health protection typically with limits. Rental car reimbursement is an affordable add-on to your insurance policy. If you carry comprehensive and liability coverage on your personal car coverage typically will extend to your rental car within the United States.

The caveat is that this coverage extends to the same limits of your personal auto insurance policy. There may be additional fees from the rental car company for the loss of use of their vehicle that your credit card wont cover. Coverage includes collision coverage liability insurance up to minimum mandatory per state uninsured motorist coverage medical coverage and rental car reimbursement if your own car is out of service.

Buying insurance from the rental car. Find out if your credit card offers some form of automatic car rental insurance coverage. Your credit card company may also offer rental car insurance.