If you are getting a rental car in Cullman, AL, you may be wondering if your car insurance will translate to the rental car and if it is worth paying for the extra insurance the rental car company offers you.
There isn’t an easy answer because it will depend on what your personal auto insurance covers, what protection your credit card offers, and where you are renting the car. Before you rent a car, you can talk to your agent at Insurance Solutions Inc. to determine if your current coverage can extend to your rental vehicle.
Generally, coverage from a primary auto insurance policy does extend to a rental car. If you cause an accident when you are driving a rental, then liability insurance will pay for damages to other cars and injuries. Your collision and comprehensive coverage will also extend to the rental car. Collision coverage will pay for damages related to an accident and comprehensive will cover damage not related to an accident. There could still be some charge the rental company imposes, even with collision and comprehensive coverage, but it still helps to have that coverage in place.
Different credit cards also come with rental car insurance as an added benefit. This can take the place of your current auto policy. For this coverage to work, you will need to pay for the rental vehicle using that card. Not all coverage through credit cards is the same. Some offer primary coverage so you don’t have to make a claim on your auto insurance, while others only offer secondary coverage.
Your home or condo insurance can still cover your personal belongings if they are stolen from a rental car, but you should check those individual policies for any exclusions.
Contact Insurance Solutions Inc. serving Cullman, AL, to get a quote on auto insurance.