Do We Cover Rental Vehicles?

Whether you're traveling for business, taking a weekend getaway, or your primary vehicle is in the shop, renting a car is often a convenient solution. One of the most common questions we receive is: “Does my insurance policy cover rental vehicles?” The answer depends on a few key factors.

Your Existing Auto Policy May Extend to Rentals

In many cases, your personal auto insurance offers the same coverage for a rental car that you have on your own vehicle. This may include liability coverage, collision coverage, and comprehensive coverage. If you carry full coverage on your personal car, there’s a good chance you’re protected when driving a rental.

Coverage Depends on What’s in Your Policy

Every policy is different. If you only carry liability insurance, for example, you may not have protection for damage to the rental vehicle itself. Reviewing your current policy—or checking with us—is the best way to confirm what’s included.

Rental Car Company Coverage

When you rent a vehicle, the rental agency typically offers additional protection, such as:

• Collision Damage Waiver (CDW): Covers damage to the rental car.
• Liability Coverage: Protects you if you're responsible for injuring someone or damaging property.
• Personal Accident Insurance: Covers medical expenses for you and your passengers.

While these add-ons can provide peace of mind, they may duplicate coverage you already have.

Credit Card Benefits

Many credit cards offer rental car protection if you use the card to pay for the rental. This protection varies by card and is often secondary to your own auto insurance, so it’s important to review the details beforehand.

Unsure About Your Coverage?

If you're planning to rent a car soon and want to be confident you're protected, we’re here to help. Just reach out and we’ll review your policy with you to make sure you’re fully covered before you hit the road.

Safe travels!