Does Your Car Insurance Cover Rental Cars?

When you’ve got the idea for a great trip, the last thing that you want to deal with is not having the right transportation in mind. You must make sure that you will have reliable transportation. Even if you plan on visiting a destination that’s well known for public transportation, there’s really nothing like having your own. For starters, you will have more options than if you were to rely on public transportation. If you wanted to go out late at night, you would end up missing most of your public transportation options and would need to take a taxi. There’s just a much better option: renting your own car.

However, there is always a level of liability involved with renting someone else’s property. You don’t want to end up being held responsible for any damages on the car, or any loss that comes from a potential accident. Without car insurance, you will be held up for any damages that happen, and that will definitely be a lot more money than you will want to pay anyone ever in your life. Car rental companies realize that not everyone has insurance, which is why one of the first things that they tell you about is their own car insurance coverage for their vehicles. This is a per day charge that will protect you from loss damage, loss of revenue, and collisions. However, this protection is far more expensive than what your car insurance premium would be, leaving people to wonder if there’s really a solid solution that you can always turn to.

Thankfully, there really is — you will just need to pick up your own car insurance policy. This is where liability insurance coverage will actually not cover things properly. For starters, you will need to make sure that you have full coverage insurance. If you don’t have full coverage, then you would be better off taking the car rental company’s insurance plan — it offers better protection. However, if you already have full coverage or you’re willing to covert to full coverage, you will be just fine using your own car insurance.

Naturally, you will still need to talk to your own insurance company to find out whether you have enough coverage. If you’re nervous about actually speaking to the car insurance company, don’t worry. They welcome these sorts of questions, and you should feel free to ask just about anything in order to make sure that you aren’t spending more money than you really want to spend.

Overall, does your car insurance cover rental cars? If you have full coverage, then the answer is generally yes — check it out for yourself!

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