Does my car insurance cover me when I rent a car?

This is a guest post from Renaissance Alliance member agency Encharter Insurance.
Memorial Day is around the corner and pretty soon the kids will be out of school. Where will your summer vacation plans take you and your family this year? If a rental car is part of your plan, let us help answer a common question people ask their insurance agents: Does my car insurance cover my rental car?
When renting a car, you are given the option of purchasing insurance from the rental company, but you may not need it. Your car insurance policy may cover your rental car, so before your trip, it’s a good idea to speak with your agent. Ask your agent if your policy covers a rental car, and if it doesn’t, inquire about the cost of adding that to your current coverage. Depending on the price of the insurance from the rental company and how often you travel, it may be a good addition to your auto insurance policy. If you don’t own a car, ask your insurance agent about a non-owner auto insurance policy that provides benefits in addition to rental car coverage. Lastly, talk with your credit card company and see what coverage it may provide if an accident were to occur while you’re driving a rental car.
If you’re ever in doubt about the coverage your insurance policy offers you, it’s always best to call your agent. Each policy is different, designed specifically for the needs of you and your family.

One thought on “Does my car insurance cover me when I rent a car?

  1. Great article. There seems to be much confusion around insurance and rental cars, and this article does a great job of clearing up questions many people have about this subject.

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