Is My Rental Car Covered Under My Auto Insurance?

When you’re asked whether or not you want to get insurance coverage on your rental car, you can be forgiven if the question itself is surprising. After all, you may assume that your insurance policy automatically extends to your rental car without your having to do anything. Don Allred Insurance wants you to know more about how it all works before you say yes or no.  

What to Consider 

Your auto insurance will almost certainly cover your rental car, but it won’t extend any further consideration to you beyond what your original policy states. In other words, you shouldn’t rent a Ferrari for the weekend if you drive a Honda in your normal life. If you have liability only on your policy, then this is enough to cover someone else’s car and injuries if you’re the responsible party for the accident. However, it won’t cover the cost of the actual rental car itself. If you have liability only, then it’s a smart bet to get the additional insurance if you live in Burlington, NC. 

Splitting the Difference 

Each rental car company has their own insurance policy should you choose to get the additional coverage. They may work with your insurance company, they may take care of everything on their own, or they may be used as the primary coverage. If they’re the primary insurance, then your insurance company will only be contacted should the damage be extensive enough to surpass the limits of the rental car company’s insurance. 

It can be confusing if you’re traveling and just want to make sure you stay safe on the road. If you live in Burlington, NC, and are concerned with your auto insurance, then give Don Allred Insurance a call today to talk about your policy.