Does Your Car Insurance Cover Your Car Rental?

| March 22, 2017

With spring approaching, many people will rent cars to travel. Even when they own a car, many drivers consider rentals. A rental car is a good option since drivers don’t have to worry about adding extra miles on personal vehicles. They also might choose an eco-friendly, compact car and stretch their travel budget.

If you are considering renting a car, determine whether your auto insurance covers you before getting behind the wheel.

Your Liability Insurance Covers Your Car Rental

Before you hit the road, it’s imperative that you know you have car insurance coverage. More specifically, you need to know that you have enough liability insurance coverage. Liability insurance protects you financially if you are responsible for damage to another person’s property or responsible for their injuries.

The liability coverage you have on your personal car will usually cover your rental. However, ensure that you have enough liability coverage to protect all risks resulting from a wreck. This includes insurance to cover injuries to multiple people and to cover rental car repairs.

Comprehensive Insurance Protects Your Rental Car

Comprehensive insurance coverage helps you pay for the cost of damage to your rental car that doesn’t result from a wreck.

For instance, if you scratch the door of your rental car, your comprehensive coverage might help cover the expenses. With comprehensive coverage, you won’t have to worry about paying out of pocket for dents and dings you put on your rental car.

Your Auto Insurance Saves You Money on Your Rental

With the right personal auto insurance, you won’t need rental car insurance at all. Without rental car insurance attached to your rental, you’ll save a lot of money on the daily cost of renting a car. Instead of paying for duplicate insurance, decline the coverage and show the rental agent proof of your personal car insurance.

To learn more about your coverage, and to ensure your coverage extends to rental cars, verify your car insurance coverage with your insurance agent. They’ll let you know if you don’t have the type of coverage you need for complete financial protection. They’ll also let you know whether you have enough coverage to protect your rental car.

Pfenninger, Claxton, & Estelle Insurance Group is here to help you get car insurance that will cover both rentals and your personal car. Go online now for a free Muncie auto insurance quote. Give us a call at (317) 398-9797 for more information.

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