Does Car Insurance Cover Rental Cars?

Does Car Insurance Cover Rental Cars?

Jun 27, 2019


Does Car Insurance Cover Rental Cars?

Renting a vehicle? Consider your auto insurance coverage.

You're renting a car for the week on vacation and you've managed to secure a great deal on a vehicle. When you're at the desk getting the keys, the attendant asks if you would like to purchase auto insurance coverage. Suddenly, you don't know what to do. Here is your chance to be prepared at the rental car counter so that you can be on your way faster. I have car insurance. Do I need to buy their coverage, too? This is the most common question when it comes to renting a car for domestic travel. The answer really depends. You want to make sure you're covered, but you also don't want to pay for unnecessary, duplicate coverage. The first step is to check your auto insurance policy. If you carry comprehensive and liability coverage on your personal car, then coverage will typically extend to your rental car within the United States. If you're renting a domestic car of the same value to your personal car, the insurance coverage may be adequate for the rental. If you're renting a luxury vehicle that is of a higher value than your personal car, you should consider the extra coverage offered. Check with your credit card company This may sound a bit strange, but it's wise to check with your credit card company if they offer coverage. The credit card that you'll be using for the rental pay provides secondary coverage on the rented vehicle. For the right car insurance for your needs, contact the experts at Bell Black Insurance.  We serve all insurance needs for those in Idaho Falls, Island Park, Driggs, Victor, Swan Valley, Ashton, and the neighboring communities in Idaho, as well as Jackson and Star Valley in Wyoming.