Does Car Insurance Cover A Rental Car: Is Personal Auto Insurance Required?
In most cases, the answer is NO; a personal auto insurance policy is NOT required to rent a vehicle. Rental car companies, like Enterprise, will typically offer their own insurance options that can be purchased at the time of rental. These options often include collision damage waivers, liability coverage, and personal accident insurance. However, the specific requirements may vary depending on the rental company and the country or state where you are renting the vehicle.
Does Car Insurance Cover A Rental Car: My Personal Auto Insurance Policy
Your personal auto insurance policy will cover most rental cars with the same coverage limits and deductibles you have. For example, if you have comprehensive and collision coverage on your car insurance policy, you’ll be protected against physical damage to your rental car. Your liability coverage will also apply when you get behind the wheel of your rental.
You many be wondering, what coverages are necessary?
Liability helps protect you financially if you are found responsible for causing an accident to someone else. It is a mandatory requirement in most states to have this type of coverage and it consists on two components:
Bodily Injury Liability: This coverage helps pay for the medical expenses and lost wages of the other party involved in an accident if you are found to be at fault. It may also cover legal expenses if you are sued as a result of the accident. It only cover’s up to the liability limit that you set in place.
2. Property Damage Liability: This coverage helps pay for the repair or replacement costs of the other party’s vehicle or any other property damaged in the accident. It only cover’s up to the liability limit that you set in place.
Comprehensive and collision coverage are two types of insurance coverages that protect your vehicle (or your rental) in different situations. This is known as Full Coverage.
Collision Coverage: Collision coverage helps pay for repairs or replacement of your vehicle (or your rental) if it is damaged in a collision with another vehicle or object, regardless of who is at fault. This coverage is particularly useful in scenarios such as accidents with other vehicles, or an object like a tree. Collision coverage has a deductible, which is the amount you’re responsible for paying before the insurance coverage kicks in.
Comprehensive Coverage: Comprehensive coverage helps pay for repairs or replacement of your vehicle if it is damaged by events other than collisions like theft, vandalism, fire, falling objects, natural disasters (such as hail, floods, or hurricanes), and hitting an animal. Comprehensive coverage also usually comes with a deductible that you need to pay before the coverages kick in.
Personal Injury Protection (PIP) and Medical Payments Coverage (MedPay) are two types of insurance coverages that help cover medical expenses related to injuries sustained in an automobile accident.
Personal Injury Protection (PIP): It provides coverage for medical expenses, lost wages, and other related costs resulting from injuries sustained in a car accident, regardless of who is at fault.
2. Medical Payments Coverage (MedPay): MedPay is a form of coverage that pays for medical expenses resulting from an accident. It covers medical and funeral expenses for you, your passengers, or pedestrians injured in an accident, regardless of fault. MedPay coverage is optional and typically has lower coverage limits compared to PIP.
Does Car Insurance Cover A Rental Car: Summary
So, does car insurance cover a rental car? Yes.
You CAN rent a vehicle without having a personal car insurance policy. Rental car companies typically offer their own insurance options that you can purchase at the time of rental. These insurance options often include collision damage waivers, liability coverage, and personal accident insurance.
When renting a car, the rental company will ask you to provide proof of insurance or offer you the option to purchase their insurance coverage. If you don’t have a personal car insurance policy, you can still rent a vehicle by purchasing the rental company’s insurance. This way, you’ll have coverage for potential damages, accidents, or liability during the rental period.
Does Car Insurance Cover A Rental Car: OTHER HELPFUL LINKS
I needed assistance with a lapsed Home Owner’s...read moreI needed assistance with a lapsed Home Owner’s Insurance Policy, Jola worked diligently over two days to get me the best rate and fulfilled everything I needed painlessly. I would Highly Recommend this company and their Services. If there were more than Five Stars, she would have gotten them all…Thanks Again, Very Satisfied Customer!
Notes: Married Business owner 50 acquire quick truck insurance by phone Ohio Prior insurance the General Dodge. read less
Jason S.
6/30/2022
Very professional, helpful and Amy has a wonderful...read moreVery professional, helpful and Amy has a wonderful attitude and personalityread less
Pamela J.
7/21/2020
Katie was very helpful in finding me the...read moreKatie was very helpful in finding me the cheapest quotes and the process was smooth and seamless.read less
Landon P.
1/21/2022
Lauren was very helpful and found me the...read moreLauren was very helpful and found me the best rate!!read less
Holly M.
4/21/2022
Thank you Lauren. You made my bad day...read moreThank you Lauren. You made my bad day Good . Kindness goes along way
Response from owner: It was our pleasure, Elizabeth! Thank you for the kind words. Happy to help you with your SR22. glad to help with your insurance in Greenville SCread less
Beth M.
7/21/2022
My insurance agent, miss Jola, was very professional,...read moreMy insurance agent, miss Jola, was very professional, courteous, and knowledgeable concerning all of my many questions. She worked hard to find me the best rates possible and I would recommend her services to anyone. Thank you Jola -Christopher-read less
MINDRAIL M.
9/14/2022
Great customer service from Crystal, really helpful and...read moreGreat customer service from Crystal, really helpful and informative with all of the questions I had. Helped me get the best quote and get started with a policy in 20 minutes.read less
John F.
7/21/2021
Thanks so much to all the A Plus...read moreThanks so much to all the A Plus team! Every one of them has helped me and everytime I feel so confident in my insurance choices. Crystal helped me again today and her service was exceptional.😀read less
Melanie S.
10/21/2021
Crystal was super helpful made everything super simple...read moreCrystal was super helpful made everything super simple and quick!
read less
Yesenia C.
6/21/2022
I have used this company for a long...read moreI have used this company for a long time and I couldn't ask for a better insurance lady. I rate 10/10 recommend Chrystalread less
Coleson
3/01/2023
She was friendly, knowledgeable, and got us what...read moreShe was friendly, knowledgeable, and got us what we needed in a timely manner. Very easy to work with.read less
Chaz B.
7/21/2021
I am very thankful for Lauren who was...read moreI am very thankful for Lauren who was such a huge help to me ! I recommend he as an agent to everyone! Thank you so much!read less
Jason R.
3/02/2023
I really cannot say enough great things about...read moreI really cannot say enough great things about the service given by Lauren.Great in every way.read less
Tom M.
8/16/2023
Ms. Mckenzie was incredibly professional and very helpful!...read moreMs. Mckenzie was incredibly professional and very helpful! What a great part of your team: lucky to have her on your team.
Notes: No SR22 required, but violations still impacted rate. Affordable liability only insurance on a 2008 Toyota Tundra. One male driver age 45read less
P B.
6/30/2022
She was great n patient
Takemia W.
7/21/2021
Crystal was amazing! She cut my renewal price...read moreCrystal was amazing! She cut my renewal price for car insurance in half!! I will be recommending her and using her myself for future insurance!! Thank you again crystal👏👏👏🏅read less
Julie B.
10/24/2022
My insurance agent, miss Jola, was very professional,...read moreMy insurance agent, miss Jola, was very professional, courteous, and knowledgeable concerning all of my many questions. She worked hard to find me the best rates possible and I would recommend her services to anyone. Thank you Jola -Christopher-read less
MINDRAIL M.
9/09/2022
Lauren did a fantastic job helping me find...read moreLauren did a fantastic job helping me find a new policy! She went above and beyond to assist me in a difficult financial time to help me find a policy that worked for me financially. She was kind, efficient and thorough!
Owner Response: Thank you, Hanna. It was our pleasure getting your auto and renters policies set up today!read less
Hanna E.
5/21/2022
My rep was the absolute best I love...read moreMy rep was the absolute best I love my insurance companyread less
The O.
3/01/2023
Jola was very carin, personable, and knowledgeable. She...read moreJola was very carin, personable, and knowledgeable. She met our needs over and beyond our expectations. It was an exceptional experience!!! May God richly bless her in all she does. PEB...read less
Patricia B.
7/15/2022
A plus had always been there when I...read moreA plus had always been there when I call. Crystal is the best!!read less
Diego o.
4/15/2023
Amazing and dedicated staff very reliable great insurance...read moreAmazing and dedicated staff very reliable great insurance great rates. Jola and Crystal are very helpful and awesome!read less
Eric R.
3/21/2022
Very understandable and helpful
Justin B.
8/21/2021
Alexandra was really thorough. She explained everything in...read moreAlexandra was really thorough. She explained everything in detail, covered all the bases and was really on top of things. She went the extra mile to review my options, call me back, and hunt down the coverage/price point I was comfortable with paying. Great service and very professional. Thank you. Oh, and she saved me money too … which I was super ecstatic about!read less
