Rental Car Insurance is a type of insurance you may purchase from a Rental Car Company when you rent a vehicle. You will be asked whether you want to purchase coverage or waive it. It typically covers vehicle damage, accidents, injuries and roadside assistance.
Our Actionable Advice
Does my Personal Car Insurance already cover the rental?
Your personal auto policy may extend to rental cars in the U.S. If so, generally your auto policy’s comprehensive, collision and liability coverage may cover the rental car with your coverage limits and deductibles and is subject to any exclusions.
What should l consider before deciding?
Before renting a car, review your auto insurance policy to determine whether coverage extends to rentals and/or contact your insurance agent to verify coverage. What are your limits, deductibles and exclusions for comprehensive, collision and liability coverage?
When might Rental Car Insurance make sense?
It may make sense to purchase Rental Car Insurance if you do not have personal auto insurance, you’re traveling for business, and/or you will be driving in a high-density or high-risk area like heavy/congested urban traffic, difficult parking, a busy vacation area like beach or mountains to name a few.
What should I do if I have an accident in a rental car?
- Stay safe: pull over, call 911 if needed, and turn on the hazard lights.
- Document everything: take photos, collect contact information, the other driver’s insurance, etc.
- Call the Police and get a police report.
- Contact the rental car company immediately. Don’t delay contacting the rental company.
- Call your personal insurance company if you’re using personal insurance.
The Big Takeaway
If you are unsure whether your current policy extends to a rental car or whether it makes sense to purchase rental car insurance, consult with a Licensed Insurance Agent at The Whitlock Group for trusted advice.
The Whitlock Group has over 30 years of experience in Homeowners and Auto Insurance, so you can have peace of mind when working with us.
If you have questions about your current policies or would like a quote for Homeowners and Auto Insurance, please contact Kristi Flynn.