FAQ’s About Renting a Car and Your Auto Insurance

FAQ’s About Renting a Car and Your Auto Insurance
You are standing at the rent-a-car counter when you are asked THE question. “Would you like our supplemental auto insurance on your vehicle?”
Well, do ya?
Here are some frequently asked questions about car insurance and rental cars.
Will my personal auto insurance cover my rental car?
Yes and maybe. Your personal car insurance will cover your rental car in the same manner as it covers your personal vehicle. If you have full, comprehensive/collision coverage on your personal vehicle, that will cover your rental. Keep in mind, if you only carry liability insurance, that is all you will have on your rental and will need additional coverage for full protection. You will also be responsible for any deductible on your present personal auto insurance. Rental car insurance from the rental company does not have a deductible.
I’ve heard my credit card may help. Is that right?
Perhaps. Many credit cards will offer supplemental insurance when renting a car. It is important to note that to qualify you’ll need to pay for the car rental with that particular credit card. You should contact your credit card company in advance or check its terms and conditions to verify coverage.
Is coverage from the rental car company expensive?
It certainly can be. On average, coverage purchased from a rental car company can reach $60 or more per day. In some cases, it may exceed the cost of renting the car.
Are my personal possessions covered in a rental car?
They likely will be if you have renters or homeowners’ insurance. There may be limits on very high-end electronics, however.
What about “Loss of Use” coverage?
This coverage is usually not included in your standard auto policy. Auto policies may cover the physical damage to the rental vehicle. If it takes 8 weeks, however, for the damage sustained by the rental car to be fixed, you can be on the hook for 8 weeks of rental car fees, that car may have produced. This is included in the insurance from the rental car company. Always check with your current insurance company about loss of use coverage on your current policy.
What if I don’t own a personal car?
If you rent a car frequently but don’t own a personal car, purchasing “Non-owners auto insurance” can be a good idea. It will be less expensive than repeatedly buying the rental car company’s coverage and will also provide coverage in other situations like borrowing a car.
For something so widespread and significant as auto insurance, consumers are often not aware of what it does and doesn’t cover. That is why an auto insurance review can occasionally be helpful. Contact our independent auto insurance agents for a no cost, no obligation review and price quote. We look forward to assisting you.
Do you have questions about your insurance? Find an insurance agent near you with our Agent Finder
Search All Blogs
Search All Blogs
Read More Blogs
A Presidential Legacy: Using Life Insurance to Fund Your Charitable Vision
What will your legacy be? Learn how to use life insurance to make a significant charitable impact this Presidents’ Day without depleting your current savings.
The Presidents’ Day Purchase: Navigating Insurance and Gap Coverage for Your New 2026 Vehicle
Buying a new car this Presidents’ Day? Make sure your insurance keeps up. Essential tips on Gap coverage and new vehicle replacement riders.
Water, Water Everywhere: Preparing Your Home Insurance for the Late-February Thaw
Is your basement ready for the thaw? Learn why standard home insurance doesn’t cover sump pump failure and how to add the right protection this February.
Beyond the Box of Chocolates: The Strange and Surprising History of Valentine’s Day
From Roman rituals to Victorian cards: Discover the bizarre and bloody history of how Valentine’s Day became the holiday we know today.
The Big Game Gamble: Managing Business Liability and Hosting Risks for Super Bowl LX
Is your business ready for the Big Game? Key tips on managing liquor liability, event safety, and employee productivity during Super Bowl weekend.
A Gift Beyond Roses: Why Life Insurance is the Ultimate Expression of Valentine’s Day Love
Roses fade, but financial security lasts. Discover why life insurance is the most selfless Valentine’s Day gift you can give your family this year.
The February Pothole Patrol: Navigating Winter Road Damage and Your Auto Policy
Potholes are a February tradition. Learn how your auto insurance handles wheel and suspension damage and how to file a claim for road-related hazards.
Heart-Shaped Security: Why Valentine’s Day is the Time to Schedule Your New Jewelry
Don’t leave your new sparkle at risk. Learn how to properly insure Valentine’s Day jewelry through scheduling and professional appraisals.
The Beautiful Pause: Embracing Solitude and Self-Care
Ditch the noise. A guide to finding mental clarity and practicing self-care by embracing intentional solitude during the final, quiet days of January.
Final Tax Data Security: Protecting Against Employee W-2 Identity Theft
W-2s are out. A final, urgent guide to securing employee data against tax fraud and using Cyber Insurance for breach response and identity theft coverage.