Does My Auto Insurance Cover Rental Car?
Most likely if you have an auto policy, you could add rental coverage for just a few extra dollars a month…but always contact your provider to be sure! Understanding the following terms will also be helpful.
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:
- 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.
- 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.
- 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.
- 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.
Does my auto insurance cover a rental car?
Whether your auto insurance covers a rental car often depends on your policy terms. Some policies extend coverage to rental cars, but it’s advisable to check with your insurance provider or policy documents to confirm this.
What are the key terms to check in my policy for rental car coverage?
The key terms to check for rental car coverage in your auto insurance policy are ‘collision coverage,’ ‘comprehensive coverage,’ ‘loss of use,’ and ‘deductibles’.
Interested in reviewing your policy for rental car coverage? How can I contact A Plus Insurance?
For reviewing your policy and understanding rental car coverage, contact A Plus Insurance at 1.888.445.2793.
Do I need additional insurance for a rental car in the USA?
Additional insurance for a rental car in the USA may not be necessary if your current auto insurance policy includes rental coverage. However, it’s important to verify the extent of this coverage and consider additional rental insurance for more comprehensive protection or if your policy does not cover rentals.
Does my car insurance cover rentals abroad?
Most car insurance policies in the USA do not extend coverage to rentals abroad. It’s recommended to purchase a separate travel insurance policy or check with the rental company for insurance options when renting a vehicle outside the USA.
Does Visa credit card cover rental car insurance?
Many Visa credit cards offer rental car insurance as a benefit. This coverage is typically secondary to your personal auto insurance policy. It’s important to review the terms of your Visa card benefits for specific coverage details and requirements.
So the answer is yes! Auto Insurance Cover Rental Car. It would be wise to talk with your insurance carrier to see if your full coverage would cover a rental, but chances are…If comprehensive/collision and liability is included in your policy then usually, the coverage will extend to your rental car.
By Amanda Moss | Licensed Agent at Learnandserve.org | Powered by A Plus Insurance | Auto Insurance Cover Rental Car
Last Updated on by Amanda Moss