Does My Car Insurance Cover a Rental Car?

January 3, 2011

Good news applies to many rental car drivers who wonder "does my car insurance cover a rental car?" Circumstances will vary across insurance companies and states, so you should place a call to your own auto insurer to find out your coverage for a rental. Amica states that if "you have collision and other than collision coverage on any of your cars, you will have that coverage on your rental car," and that "in most cases, liability coverage will apply if you hit someone while driving a rental car.” Of course, if you have minimal insurance through your own company, you will likely want to add coverage when renting a vehicle. Body repairs can cost thousands of dollars, so it's a good idea to purchase the collision loss damage waiver if your own company doesn't cover it. Insurance companies advise clients to be especially careful in verifying coverage for international rentals.