Usually, yes. In most cases the coverage on your personal auto policy carries over to a rental car you drive for personal use. If you have liability only, the rental gets liability only. If you carry comprehensive and collision, those coverages generally apply to damage to the rental car too, minus your deductible.
Here’s where it gets tricky. Rental companies can charge you for loss of use, administrative fees, and diminished value while the car is being repaired, and not every policy pays those charges. If you’re renting for a long trip, renting outside the U.S., or don’t carry comprehensive and collision, buying the rental company’s damage waiver can make sense. Call us before your trip and we’ll tell you exactly what your policy covers.
Ready to get insurance?
Let’s do it.
Feel free to call us.
