Personal Effects Coverage. The coverage limits and deductibles on your personal policy also apply to your use of a rental car. Comprehensive coverage protects you from non-accident-related perils, such as theft and vandalism. If you own a car and you are renting for recreation or as a temporary replacement, the rental will be covered. Personal auto coverage for rentals may be less comprehensive than for your own car. margin-top: 0%; If you only have the state minimum liability limits on your personal auto policy. But if the rental car is worth significantly more than your own car, it’s worth considering opting in. If you pay for your rental car with a USAA credit card, you have secondary coverage for damage and theft of the vehicle up to $50,000. Comprehensive car insurance does not cover the theft of your personal belongings from your car. There are a few other scenarios where you might want to consider purchasing supplemental car insurance for your rental car. bottom: 0%; This is actually one of the best times to say yes at the desk and purchase the extra rental car insurance. } How to lower car insurance costs without losing coverage, 5 ways to save money on car insurance without cutting coverage. } .hero__headline { Secondary coverage means that your credit card will only pick up any charges your personal auto insurance policy doesn’t. Your Kentucky Farm Bureau Personal Auto Policy protects you while you are operating a rental vehicle. In many cases, the coverage you purchase for your personal auto insurance policy also applies to cars you rent. .hero__foreground { This will provide more comprehensive coverage for medical costs or property damage to the other driver and passengers in an accident in which you’re at fault. Rental car insurance can be complicated. But once Lipparelli paid for his policy, it cost $801. Despite the fact that your personal policy won't cover you while your car is rented, you will still have to buy your own car insurance policy. In order for your primary automotive insurance to cover your rental car, you’ll need three types of coverage: liability, collision, and comprehensive. Account for collision and comprehensive, as well as liability. As with collision coverage, if you have a high level of comprehensive coverage on your personal policy, you can probably turn down the CDW/LDW. HomeInsurance.com, LLC, is a licensed insurance producer resident in North Carolina with license number 1000012368, with its principal place of business at 15720 Brixham Hill Avenue, Suite 300, Charlotte, NC 28277. Read these 5 ways you could become a defensive driver, and help keep the road a safer place. Nearly every state requires car insurance to register and drive a private vehicle, and Turo requires you to have your own coverage, as well. Personal auto insurance policies often (but not universally) cover rental cars. Know the policy of your rental company before you arrive at the counter. You could be out the cost of the repairs anyway if it’s under or close to your deductible, and you’d be adding a claim on your policy which could affect your premiums. Personal effects coverage may help cover your personal belongings, such as a cellphone or clothing, if they’re stolen from your rental car. Best Business Credit Cards for Car Rental Insurance Coverage 1. Coverage that applies to an accident depends on the coverage … Liability coverage is required in almost all states, so you … Learn some basic facts about rental car insurance and whether or not you need extra coverage beyond your personal auto insurance policy. This is a basic component of most car insurance policies. If you have a personal car insurance policy, it includes liability coverage and any additional coverage you've opted for, such as comprehensive or collision. Knowing if your auto policy covers you is good information, but consider this scenario: you’re covered by your own policy and a fender bender leaves a minor ding on the front bumper of your rental. If you were to skim through your policy booklet, which hardly anyone does today, you would find a … Coverage may not apply if a rental car is stolen or damaged; in that case, you may need supplemental insurance from the rental car company. Email(Your email address will not be published), How does your uninsured motorist coverage apply if there is an accident while driving a rental car and the person at fault is not insured. Credit cards and rental insurance coverage transform: scale(1); .hero__foreground { If you have adequate liability coverage on your own vehicle (check with your insurance provider), you may choose to skip this one. Some companies, like AmEx, Mastercard, and Visa require rental companies to prove their fleet is over 80% rented while the car is being fixed. Auto Body Repair Costs: Should I Pay Out of Pocket or Submit a Claim? Collision Damage Waiver (CDW)/Loss Damage Waiver. Otherwise, consider purchasing a waiver from the rental agency that covers you adequately. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance product. Rental reimbursement insurance is a coverage you add to your personal auto insurance policy that pays for a rental if your car is being repaired for a problem that’s covered by the policy. The rental company may offer you the following coverages: Your personal auto insurance, including all limits and deductibles, extends to almost any rental car you drive. margin-left: 0%; Please see a copy of your policy for the full terms, conditions and exclusions. Thanks to these women — and countless others — our vehicles are safer for drivers, passengers, and all those on the road. .hero { el.parentNode.insertBefore(s, el); If you have a car insurance policy, liability insurance is included — it’s mandatory in almost every state. On the flip side, some personal auto insurance policies do provide liability car insurance coverage for you to drive rental trucks. margin-left: 0%; Driving an SUV is a different experience from operating a car. If you have renters or homeowners insurance, these items may already be protected. Many clients ask us if their personal auto insurance extends to rental cars. Your insurer may also include lower liability limits that could leave you liable for expenses after a costly accident. You could save yourself the added cost of buying insurance through the rental company and get the important protection you need. We recommend having at least $25,000 of bodily injury liability per person, $50,000 bodily injury per accident, and $25,000 for property liability, often written as 25/50/25. This covers your medical bills in the event of a crash in the rental car. To get this coverage, you need to use the credit card to reserve and pay for the rental vehicle. Personal auto policy Call your insurance agent to see if your personal auto policy covers a moving truck rental. It may not be worth it to file a claim on your policy. bottom: 0%; In addition to personal auto insurance and renters or homeowners insurance, most major credit cards offer supplemental coverage if you use that card to pay the full balance of the rental.