Are Rental Cars Covered in My Auto Insurance Policy?

Even though you may already have your own car, that doesn’t mean you’ll never have to rent another set of wheels. Whether it’s because your car is damaged, you need one while traveling or your usual vehicle isn’t suitable for a particular task, renting an alternative automobile can be a convenient and affordable option. However, rentals are still subject to many of the same concerns and perils as your own vehicle and understanding how your insurance may apply is critical.

Will My Coverage Also Protect Vehicles I’ve Rented?

In many cases, yes, your personal auto insurance can extend coverage to rental vehicles. However, you should ask about any potential complications to verify that you’re not driving a vehicle that doesn’t belong to you while being underinsured. Some auto insurance policies may have explicit limitations or exclusions regarding rentals. For example, if you have a liability-only policy, your insurance won’t cover damage to a rental while it’s in your possession. Alternatively, if you rent a luxury car or other vehicle of significantly higher value than your usual ride, you may require alternative insurance.

Can Auto Insurance Help Pay for Rental Cars?

In addition to extending financial protection to rented vehicles, your auto insurance may also help foot upfront fees. In many cases, policies include rental car coverage, meaning that if your vehicle is damaged and rendered unavailable due to a covered incident, your carrier can reimburse you for rental fees.

How to Get the Right Rental Car Coverage

If you find you’re lacking appropriate coverage while trying to rent a car, many rental businesses offer temporary insurance spanning the period during which you’ll have the vehicle. But if you want to avoid having to navigate that process at the time of renting, a qualified insurance professional can make sure your auto insurance is equipped with the necessary capabilities to cover rentals.

Contact Axcess Insurance in Salt Lake City, UT today to discuss your options and find a suitable auto policy that includes coverage for rental cars.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.