TUESDAY, AUGUST 22, 2023
If you’ve ever rented a car, you might have found yourself standing at the rental counter, pondering whether to purchase the additional insurance offered by the rental car company. One common question is whether your existing auto insurance policy covers rental cars.
At Raymond Longoria Insurance in Mission, Texas, we understand the confusion surrounding this topic. Contact us today to review your current coverage and determine if your current car insurance may provide coverage for your rental car.
Rental Car Insurance Coverage
If your auto insurance policy includes liability coverage, it typically extends to rental cars. If you are at fault in an accident while driving the rental car, your insurance may help cover the damage you cause to others up to your policy’s dollar limit.
If you have collision and comprehensive coverage on your personal auto policy, they may also apply to rental cars. These coverages can help repair or replace the rental car if it’s damaged in an accident, stolen or damaged by noncollision events such as vandalism or weather-related incidents.
If your policy includes personal injury protection or medical payments coverage, they may cover your medical expenses if you are injured in an accident while driving the rental car.
Additional Coverage From the Rental Car Company
While your personal auto insurance may provide some level of coverage for rental cars, there are several reasons you should consider additional insurance from the rental car company.
Opting for the rental car company’s insurance can provide convenience and peace of mind, as any claims or issues will be handled directly with the rental company without involving your personal auto insurance provider. However, it’s wise to consult your agent before purchasing auto insurance through your rental car company.
Contact Us
While your personal auto insurance policy may offer some level of coverage for rental cars, it’s essential to review your policy and understand the extent of that coverage.
At Raymond Longoria Insurance in Mission, Texas, we are here to assist you in assessing your current auto insurance coverage and determining if additional protection is necessary when renting a car.
Contact us today to find out how we can tailor the best insurance solution for your specific needs, whether driving your own car or renting one for your next adventure.
This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.
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