Does Personal Auto Insurance Cover Rental Cars?

​Private automobile insurance covers most rental automobiles with the same insurance requirements and premiums. When you step behind the wheels of your rental, your liability insurance will also be in effect.

You may not need to acquire extra coverage from the rental car business if your personal auto insurance policy covers you while driving a rented vehicle. We'll look at the coverage provided by rental agencies and insurers to see where you could be missing the mark and how to fill it in.

Insurance Types Required for Rental Cars
Most leasing companies provide a streamlined, reputable selection of alternatives for rental automobile insurance. Before going to the desk, familiarize yourself with the rental organizational rules. Check your auto insurance policy to see if you're currently adequately insured and free to turn down the rental firm's provided insurance.

Every automobile insurance plan has several coverage options that offer security if you get into an accident while operating a rented automobile. These consist of the following:

1. Liability Protection 
   This is a fundamental part of most auto insurance plans. This might provide coverage for any harm or damage you create while using the rented vehicle.
   
   
2. Personal Accident Protection 
   This may cover your medical expenses if you have an accident while operating the rental car. You might not require this coverage if you have trustworthy healthcare coverage and personal injury protection or medicare advantage plans coverage on your motor policy. 
   
   Injury while operating a rental automobile is covered by personal accident insurance for you and your passengers.
   
   
3. Comprehensive 
   When an automobile is stolen or harmed in ways other than accidents, such as hailstorm damage or running over a deer, this insurance can pay to fix or repair the car.
   
   
4. Collision
   If the vehicle is damaged in an accident, flips over, or makes contact with another object, like a tree, this coverage can pay to restore or replace the vehicle.
   
   When operating a rented automobile, always inquire with your auto insurance provider or broker about the coverage included in your policy.

Conclusion
Your auto insurance policy already provides coverages similar to or equal to those offered for rental automobiles. You can consider whether you need the additional coverage you'll be offered at the renting checkout.

At McClain Matthews Insurance, we make every attempt to offer our clients coverage that is both inexpensive and comprehensive. We always go above and beyond to fulfill your demands. Don't hesitate to contact our company if you want more details on how we can assist you. Learn more about our products and services by calling our agency at (317) 298-7500. You can also request a free quote by CLICKING HERE.  Topics and coverage discussed in this article are not guaranteed, consult with your agents to determine what your policy does and does not cover. We are more than happy to help!