Check out our latest video where we tackle the burning question: “Does Car Insurance Cover Rental Cars?” Whether you’re planning a vacation or need a temporary set of wheels, understanding your car insurance coverage is crucial when renting a vehicle. We’ll guide you through the ins and outs of rental car insurance, exploring what your existing policy may cover and what additional options are available at the rental counter. Don’t hit the road without watching this video first! Let’s ensure you’re well-informed and prepared for a stress-free rental car experience. Watch now and feel confident on your next adventure!
Our owner and founder, Pat Brennan, explains more. Check out the video below!
Does Car Insurance Cover Rental Cars? – Entrust Insurance, St. Clair Shores
Video Transcription
“So your coverage carries over for the rental car. And generally you want to look at as long as you’re in the rental car less than 30 days. The reason being is if it’s past 30 days, it’s more of a long term thing. They’re no longer considering it occasional. So if you go on vacation, you’re out of town and you want to get a rental car. Whatever coverage you have on your current policy will carry over to that. And so like enterprise or wherever you’re renting the vehicle from, they want physical damage coverage, which is collision and comprehensive. And if your policy includes that, it will carry over into that vehicle and that will allow you to waive the additional assurance that they may force you to buy.”
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Related FAQ’s
Does my personal car insurance cover rental cars?
- In many cases, yes. If you have full coverage on your personal vehicle, your car insurance typically extends to rental cars. However, this depends on your policy and provider, so it’s always a good idea to check with your insurer.
What types of coverage from my car insurance apply to rental cars?
- Coverage like liability, collision, and comprehensive may extend to rental cars if they’re included in your personal policy. Liability covers damage to others, while collision and comprehensive cover damage to the rental car itself.
Do I need rental car insurance if I already have car insurance?
- If your car insurance covers rental cars, you may not need additional rental car insurance. However, rental agencies often offer extra coverage options, such as loss damage waivers, which could provide peace of mind or fill gaps in your existing policy.
What happens if I don’t have collision coverage—will my car insurance still cover a rental car?
- If you don’t have collision coverage on your personal car, you may not be covered for damages to the rental vehicle. In this case, you might want to purchase the collision damage waiver offered by the rental company.
Does car insurance cover rental cars for international travel?
Most personal car insurance policies do not cover rental cars abroad. If you’re renting a car internationally, it’s best to purchase additional insurance through the rental agency or explore travel insurance options that include rental car coverage.
