Does my car insurance cover rental cars?
If your personal car insurance includes collision, comprehensive and liability coverage, it will likely cover you if you have an accident when driving a rental in the U.S., U.S. territories or Canada. The policy would pay up to your normal policy limits and with your regular deductible.1
Keep in mind, this isn’t the same as rental car reimbursement coverage. That’s an option in your personal auto policy that pays for renting a car while yours is being repaired after an accident.
While every insurance company has its own criteria for insuring rental cars, they do commonly exclude some things:
- International travel − Most insurers don’t cover rental cars outside the U.S. However, you can buy specialty rental car or travel insurance to meet another country’s insurance requirements.
- Business use − Many personal insurance policies don’t cover vehicles rented for business reasons.
- Loss of use − When a rental is out of service for repairs, some car companies charge for the time it can’t be used. If your auto insurance doesn’t cover these fees, you may be responsible for the cost.
To be absolutely certain, and to make sure you understand any restrictions that apply specifically to renting a car, check the details with your insurance company before you rent.