Will my auto insurance cover liability on a rented vehicle?

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Things to Remember...

  • If your policy indicates that you have liability coverage while driving a non-owned vehicle, you are covered in a rental car
  • If your insurance company does not cover rental vehicles, don’t worry. There are several other options available as well
  • If you are traveling for work or another non-personal reason, the company you are traveling for may have a policy that covers rental car insurance
  • If you are looking for an auto insurance policy, it is a good time to consider looking for a policy that has rental car liability already as part of the package

Renting a vehicle for work or fun is easy, but what happens if you have a car accident in the rental vehicle? In most cases, your own auto insurance policy will cover liability on a rented vehicle.

To make sure, check your policy because there are a few auto insurance companies who do not automatically provide this coverage.

In order to find great auto insurance rates, you can compare quotes from several companies by entering your zip code in the free box now!

Many people don’t bother reading through their written policy once they receive it, but it is important to be familiar with your policy benefits. When looking at your policy, look for the wording “non-owned vehicle.”

If your policy indicates that you have liability coverage while driving a non-owned vehicle, you are covered in a rental car.

Are there other ways to tell if my auto insurance policy covers rentals?

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Other policies will mention specifically whether or not you are covered in a rental vehicle. Look for a “rental vehicle terms” in one of the headings of your policy.

Under this heading, it will define what type of coverage you will receive or not receive in a rental vehicle as well as what the monetary limits are.

Looking on your insurance company’s website should also tell you what their policy is on rental cars.

Most insurance websites have summaries of different types of policies or an area where you can type in your policy number and receive policy information. You can also call your insurance company directly for an answer.

What are my options if my insurance company does not cover rental vehicles?

If your insurance company does not cover rental vehicles, don’t worry. There are several other options available as well. The first option is to call your insurance agency and let them know the dates you will be driving a rental car.

They may be able to add a temporary rider to your policy for this period of time that covers you in the rental car.

Another option is to check your credit card company. Many credit cards will automatically give you rental car insurance coverage for free if you charge the car rental to your credit card.

The specific details of what is and what is not covered can be obtained by your credit card company’s rental car policy.

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If you are traveling for work or another non-personal reason, the company you are traveling for may have a policy that covers rental car insurance. If your rental vehicle has been paid for with a corporate credit card, you may be covered under that credit card’s policy as well. Be sure to ask about his before you travel.

Yet another option is to purchase rental car insurance through the rental car company.

When you are filling out the paperwork for your rental car, there will be a section that asks if you want to add rental insurance. If you don’t have any other insurance coverage, this is a must.

Be aware that adding rental coverage through the rental car agency will be expensive. Also, temporarily adding it through your insurance agency can be expensive too.

But either one of these options is better than going without insurance. If you are in an accident, you will have to pay for the vehicle repairs or medical bills completely out of pocket.

How can I find a good deal on rental car liability insurance for my vehicle?

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Finding a good deal on auto insurance is important to most people because every penny counts.

If you are looking for an auto insurance policy, it is a good time to consider looking for a policy that has rental car liability already as part of the package. This way you are covered and you don’t have to worry about it when the time comes.

Good deals on auto insurance are found mostly by comparing auto insurance rates.

Comparison shopping for any item is a good idea and it should be done for auto insurance as well. By comparison shopping, you can see what several different companies have to offer and make your decision.

You can also see what discounts different companies offer and save money this way. Not all companies offer the same auto insurance discounts so it is important to compare discounts while you compare prices and policy benefits.

You can compare auto insurance rates right now by entering your zip code in our free quote tool below!

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