Does My Auto Policy Cover Rental Vehicles?

You’re finishing the paperwork at the rental car counter, and one of the last things you’re faced with is the representative indicating how you’ll be responsible for any damage incurred while using the vehicle. You decline it anyway, but I still wonder if your policy covers accidents with rental cars.

Relax because the policies issued through Insurance Solutions Inc., serving Cullman, AL, will provide you with the coverage you need when on vacation.

Rental Car Insurance Overlaps Your Auto Policy

If you read the fine print of your rental car agreement, you’ll see that the agency offers relatively the same type of coverage. You’ll find sections for liability, a loss/collision damage waiver that eliminates your responsibility to pay for repairs, personal insurance that pays for medical attention, and personal effects coverage that pays for personal items if someone breaks into the car and steals them. You don’t need rental car insurance if your auto policy has a liability, comprehensive, collision, and medical payments/personal injury section. Your homeowners or renters policy will cover any personal items damaged or stolen from the rental vehicle.

What Situations Call for Rental Car Insurance?

You need proof of insurance to rent a car, so if you don’t have a current policy, you’ll need the rental company’s coverage. Most personal auto insurance policies won’t cover damage if you rent a vehicle for work purposes. Your auto policy covers rentals in the United States. However, if you travel to another country, it may not. Check your policy before you go abroad, and buy the rental company’s insurance if needed.

Auto Insurance to Meet Your Needs

Renting a luxury vehicle may also require extra protection. The agents at Insurance Solutions Inc., serving residents in Cullman, AL, can evaluate your policy to ensure it does. Contact us for details.