1. Auto Insurance cover Rental Car- Full Coverage

“Full coverage” in car insurance is like getting a really good safety plan for your vehicle. It’s not just the basic protection; it’s more like a super shield that keeps your car safe in many different unexpected situations.

This type of coverage is super important if you’re getting a loan to buy a car, especially if that car is pretty new, usually less than 10 years old. The people loaning you the money (lenders) often want you to have this full coverage as a part of the deal. Now, let’s break down what this full coverage actually does:

2. Comprehensive Coverage

Think of this like a special armor for your car that helps when things go wrong that aren’t crashes. If something like a big hailstorm damages your car, or if it gets stolen, or someone does something bad to it like vandalizing it, this part of the coverage helps pay for fixing or replacing your car. Basically, it takes care of damage that isn’t because of a car crash.

Comprehensive will also cover damages due to fire, wind, weather, glass breakage, and impact with an animal such as a deer or moose. You will be required to pay your Comprehensive deductible, which is a set amount you choose. The standard amounts chosen are usually $500 deductible, or $1000 deductible. Some Insurance companies allow a $0 glass, $50, or $100 glass deductible.

3. Collision Coverage

This is like another layer of protection that jumps in when your car hits something or something hits your car. It doesn’t matter whose fault it is – if your car smacks into something like a pole, another car, or even a big rock on the road, this coverage helps with the money needed to fix or replace your car. Collision coverage will pay for instances like this regardless of Fault. If you are found At Fault in an accident, you will need to file a claim and pay your Collision Deductible. If they other driver involved was found At Fault, their Insurance policy will generally cover your deductible.

If another driver is found at fault for an accident and you file a claim with their insurance company, their insurance policy should cover the cost of your deductible. This means you won’t have to pay the deductible out of your pocket.

Here’s how it typically works:

1. Determine Fault: After an accident, an investigation is conducted to determine who was at fault. If the other driver is found to be at fault, it means their actions or negligence caused the accident.
2. File a Claim: You can then file a claim with the at-fault driver’s insurance company. You’ll provide details of the accident and the damage to your vehicle.
3. Insurance Company’s Responsibility: If the other driver’s insurance company accepts liability (meaning they agree that their insured driver was at fault), they will typically cover the cost of your vehicle repairs, including your deductible.
4. Deductible Reimbursement: After the claim is settled, you should receive a reimbursement for your deductible from the at-fault driver’s insurance company.

It’s important to keep in mind that the process may vary depending on the specific circumstances of the accident and the insurance companies involved. Additionally, some insurance policies offer options for “waiving” the deductible in certain situations, which means you wouldn’t have to pay it even if you’re initially responsible for it.

It’s advisable to communicate with both your own insurance company and the at-fault driver’s insurance company to ensure a smooth claims process and to understand how the deductible will be handled in your particular case.

4. Auto Insurance cover Rental Car- Liability

Liability insurance- This covers you if you cause an accident with the rental car, and will cover damages done to other vehicles or property. Liability is required in almost all states, so it is likely that you already have it covered under your auto policy. If you are at fault in an accident, and other vehicles were damaged, (including a rental vehicle) this is where liability will kick in.