06 Jun 2019
handing over car keys

How to cover your rental car.

When you rent a car, you will have the opportunity to purchase insurance through the rental company.  However, if you have an existing auto policy, then you might not have to secure this coverage.  Here’s what your personal car insurance policy will cover when it comes to rental cars.

Rental Car Insurance Options

There are four standard types of insurance options that car rental companies will offer.  They are:

1) Collision Damage Waiver- This type is insurance will transfer financial responsibility for auto damages or theft from you to the rental company.

2) Supplemental Liability Protection- If you get into an accident, then this insurance will ensure that you are covered for the damages and injuries you might have caused to another party.

3) Personal Accident Coverage- This type of coverage will cover your injuries or death, or the injuries or death of the passengers in your rental car.

4) Personal Effects Coverage- This type of coverage will reimburse you for any personal items that are stolen out of your rental car.

Personal Auto Coverages

It’s probable that your existing auto policy offers some of the same coverages as the rental company.  For instance, most standard auto policies provide liability coverage that extends to cover rental cars.  Some policies might even offer collision, comprehensive, and medical payments coverage that applies to rentals.  However, it’s important to keep in mind that coverage differs from policy to policy.  Make sure you contact your auto insurance provider to learn about the extent of your coverages.  If you find out that your policy doesn’t offer the protection you need, then you should consider getting coverage through the rental car company.

Need help with your car coverage needs?  If so, then contact the experts at Weaver & Associates in Arcadia, California today.