Does My Insurance Pay for a Rental Car? How to Find Out

What is Auto Insurance?

Auto insurance is a type of insurance that provides financial protection against physical damage and/or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. It can also provide coverage for medical expenses incurred in an accident, loss of wages, and other expenses. It essentially serves as a form of risk management, providing financial protection should an accident occur. Automobile insurance policies are typically customized to fit the needs of the policyholder and may include a variety of different coverage types, such as liability, collision, comprehensive, medical payments, and/or personal injury protection. Premiums are based on factors such as the type of vehicle, the age of the driver, and the driver’s driving record.

Image Product Features Price
Car Accessory

Kytely Upgraded Dog Car Seat Cover

Kytely Upgraded Dog Car Seat Cover

  • Large Size: 54″ x 58″ designed for backseats of standard cars, trucks, & SUVs
  • Convertible: Convertible between hammock or standard bench coverage
  • Easy Install: Easy installation with quick release clips and adjustable plastic clips
  • Protection from Spills: Side flaps design protects entire backseat from scratches, dirt, spills, and other messes
  • Anti-Slip: Anti-slip backing made of 600D Oxford fabric and PVC material for extra comfort and durability
  • Comfortable: Made of safe and comfortable materials, including 600D Oxford fabric, A grade PP cotton, heavy-duty waterproof material, and anti-slip PVC net
9.4
Check Price
Car Accessory

TOPSACE Car Side Mirror Squeegee

TOPSACE Car Side Mirror Squeegee

  • Mirror Cleaner: The Topsace Retractable Side Mirror Wiper allows you to easily clean both sides of your side view mirrors.
  • Long Reach: Its length of up to 98cm/38.6inches makes it perfect for reaching the mirror on the passenger side.
  • Retractable: It can be retracted to a convenient 21cm/8.3inches for easy storage.
  • Efficient: The wiper efficiently removes rainwater and other debris from your mirrors without leaving your seat.
  • Non-Scratching Material: The brush head is made from soft and harmless TPR material to avoid damaging your mirrors.
9.4
Check Price
Car Accessory

Drop Stop as seen on Shark Tank (2 Pack)

Drop Stop as seen on Shark Tank (2 Pack)

  • Gap Coverage: Drop Stop is a car accessory that provides 100% gap coverage in front of, surrounding, and behind the seat belt catch.
  • Easy Install: It attaches to the seat belt catch through a built-in slot and moves with the seat, so there’s no need to readjust or reinstall it.
  • 2-Pack: The product comes in a package with two Drop Stops, one for the driver’s side and one for the passenger’s side, and two bonus gifts: a Slide Free Pad and an LED Credit Card Light.
  • Universal Fit: Drop Stop has a universal fit and one size that fits most vehicles, and the high-grade neoprene casing allows it to expand or contract to fit any gap size.
9.2
Check Price
Car Accessory

Veepeak OBDCheck BLE Bluetooth OBD II Scanner

Veepeak OBDCheck BLE Bluetooth OBD II Scanner

  • Wide Compatibility: The device is compatible with a wide range of third-party apps such as OBD Fusion, Torque and Car Scanner.
  • Diagnostic Tool: It allows you to read diagnostic trouble codes, reset check engine light, view real-time sensor readings, estimate fuel economy and more.
  • Easy to Use: The device is easy to plug in and unplug and has a much lower power consumption compared to WiFi.
  • App Required: A third-party App is required (check recommendations in the description below, some may require separate purchase).
  • Warranty: The device comes with a one-year replacement warranty.
9.2
Check Price
Car Accessory

IMINSO Handheld Vacuum Cordless Car Vacuum

IMINSO Handheld Vacuum Cordless Car Vacuum

  • Strong Suction Power: Provides up to 9kPa strong cyclonic suction power, which is twice as strong as the average handheld vacuum cleaner.
  • Dual LED Light & Lightweight: Advanced configuration with 2 LED lights to visualize efficient cleaning in the dark.
  • Deep Cleaning & No Blind Corners: Equipped with 2 multi-function accessories to support all-round cleaning.
  • Safe & Fast Charging: Equipped with a 2200mAh Li-Ion battery, 30Mins Runtime, and only takes 3 hours to charge.
  • Amazing Gift: Lightweight portable vacuum cleaner makes a thoughtful gift for family or friends who have pets or cars.
9.2
Check Price

 

What to Consider When Renting a Car With Insurance

1. Rental Car Insurance: Premiums and coverage

When renting a car, the premiums and coverage for vehicle insurance will depend on the provider and the type of coverage purchased. Generally, you can purchase one or more of the following types of coverage: Liability coverage, Collision Damage Waiver (CDW), Personal Effects Coverage, and Personal Accident Coverage. Liability coverage pays for property damage or bodily injuries sustained by another individual if you’re at fault for an accident. CDW covers you if the rental car is damaged or stolen in an accident. Personal Effects Coverage pays to reimburse you if your personal items are stolen from the rental car. Personal Accident Coverage pays for medical expenses if you or your passengers sustain injuries in an accident.

Before renting a car, it’s important to check with your car insurance provider or agent to determine if your current insurance policy will cover the rental car. If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States. If you have current car insurance that includes collision, comprehensive, and liability coverage, your auto insurance policy will likely cover you in the event your rental car is damaged in an accident.

When considering rental car insurance, it’s important to do your research, compare policies and premiums, and review your auto insurance policy to determine if you’re already properly covered. Be sure to know the policy of your rental company before you arrive at the counter so you have an understanding of what type of coverage is offered.

2. Rental Car Insurance: Limits and deductibles

If you’re considering renting a car, it’s important to know what limits and deductibles are included with rental car insurance. Your personal auto insurance policy may cover rental cars with the same coverage limits and deductibles, such as comprehensive and collision coverage for physical damage, and liability coverage for any injuries or damage caused by you while operating the rental car.

If you include rental car reimbursement coverage with your auto insurance policy, there are usually daily limits of coverage and restrictions on the types of vehicles you can rent before having out-of-pocket expenses. These limits can vary depending on your personal auto policy so it’s important to speak with your insurance agent or company before renting a car to find out exactly what your car insurance policy will cover.

Rental car insurance companies typically offer various types of coverage, including liability coverage, collision damage waiver, personal effects coverage, and personal accident coverage. It’s possible your personal auto insurance policy could provide this same coverage, so check with your insurer before renting a car.

Knowing the limits and deductibles that come with rental car insurance can help you save money and provide peace of mind when you’re traveling. Be sure to compare your auto insurance policy with rental car insurance providers to determine the best coverage for your needs.

3. Rental Car Insurance: Co-insurance and excesses

Co-insurance and excesses are additional coverages that may be included when you purchase rental car insurance. Co-insurance is an agreement between you and the insurance company that you will both share responsibility for a claim. The amount of your deductible that you’ll pay will be the same as the amount of the insurance company’s contribution. Additionally, excesses are a type of co-insurance that only applies to certain types of claims, such as for damages sustained to the rental car. With excesses, you agree to pay the excess amount in addition to the deductible agreed to in the co-insurance agreement. The excess amount will be the same as the amount of the insurance company’s contribution. In general, excesses are used to ensure that you remain liable for the full cost of the claim if the claim is larger than the agreed upon deductible.

4. Rental Car Insurance: Self-insurance

Step 1: Check your personal auto insurance policy to see if it includes liability, comprehensive, collision, and medical payments/personal injury protection coverage. If it does, you may not need to purchase rental car insurance.

Step 2: If your personal auto insurance policy doesn’t include the above coverages, you may need to purchase additional insurance from the rental car company, or look into purchasing a standalone policy through a third party.

Step 3: Before renting a car, make sure to read the rental car company’s policy to understand what type of coverage is being provided.

Step 4: Ask your insurance provider if they cover rental cars and what type of coverage is available.

Step 5: Select the appropriate coverage for your needs. Make sure to read the policy carefully to make sure you understand the specific coverage.

Step 6: Have the rental car agreement and insurance documents with you when you pick up the car.

Step 7: Pay for your rental car and make sure to keep a copy of the rental agreement, insurance policy, and payment information.

Step 8: Follow all the terms of the rental car agreement and insurance policy while driving the rental car.

5. Rental Car Insurance: Guarantees and waivers

When it comes to rental car insurance, there are several types of guarantees and waivers available. Liability coverage is a type of protection that covers any property damage or bodily injuries you may cause to another individual if you’re at fault for an accident. A collision damage waiver (CDW) releases you from financial responsibility if the rental car is damaged or stolen. Personal effects coverage pays to reimburse you if your personal items are stolen from the rental vehicle. Personal accident coverage pays for medical expenses if you or your passengers sustain injuries in an accident. Finally, a loss damage waiver (LDW) relieves you from financial responsibility for damages caused to the rental vehicle.

6. Rental Car Insurance: Exclusions and limitations

Rental car insurance typically comes with certain exclusions and limitations. Exclusions include coverage for: damage to tires, glass, undercarriage, and damage caused by reckless driving. Limitations include a maximum coverage amount and a maximum rental period. Additionally, most rental car insurance policies will not cover any liability for accidents in which you are held liable. In the event of an accident, you may be held responsible for any damages, even if you have purchased insurance from the rental car company. Furthermore, most rental car insurance policies have an age restriction and will not cover drivers under age 25. It is important to note that certain credit card companies may provide rental car insurance as a perk. It is best to check with your credit card issuer to find out if they provide any rental car insurance coverage, and if so, what limitations and exclusions may be in place.

7. Rental Car Insurance: Cancellation and change of plan

When renting a car with insurance, it is important to understand the cancellation and change of plan provisions. Generally, rental companies offer a variety of insurance coverage options such as liability, collision damage waiver (CDW), personal accident insurance, and personal effects coverage. The cost of these insurance plans can vary depending on the car, the length of the rental, and the circumstances.

When it comes to cancellation or changes of plans, rental companies typically have a short-term, predictable suite of rental vehicle insurance offerings. It is important to check the policy of the rental company as well as your own personal auto insurance policy before making a decision. It is possible that your personal auto insurance may provide adequate coverage and therefore you may not need to purchase additional coverage from the rental company.

If you choose to purchase additional coverage from the rental company, you may be eligible for a refund or a pro-rated amount if you decide to cancel or change your plan. It is important to check the terms and conditions of the rental company before making any decisions. Additionally, many credit cards, especially travel cards, may have a damage waiver that pays for damage to the rental car, but this does not usually cover liability or medical bills, so it is important to make sure you are completely protected before driving.

8. Rental Car Insurance: Travel insurance

Rental car insurance and travel insurance are two different types of insurance products that provide coverage for different types of losses. Rental car insurance is typically purchased directly from the rental car company and covers damages or injuries caused while driving the rental car. It also may include coverage for theft and vandalism, as well as personal accident insurance and personal effects coverage. Travel insurance provides coverage for your trip, such as trip cancellation, medical expenses, and baggage loss.

Rental car insurance is specific to the rental car, providing coverage for the rental car itself and for the driver. Travel insurance, on the other hand, covers a wide range of losses that could occur during a trip, regardless of the mode of transportation. For example, travel insurance may provide coverage for medical expenses, trip cancellation, delayed flights, and baggage loss.

In summary, rental car insurance is used to protect the car and driver while driving the rental car, while travel insurance can provide protection for a wide range of losses that could occur during a trip.

9. Rental Car Insurance: Replacement car

When it comes to choosing a replacement car for a rental car with insurance, there are a few things to consider. First, it’s important to determine if your auto insurance policy includes rental reimbursement coverage. If it does, your insurance will typically pay for a similar replacement vehicle while your damaged car is in the shop or if it’s been totaled. However, if your policy does not include rental reimbursement coverage, you’ll need to purchase it for an additional charge.

It’s also important to compare the cost of a rental car and the amount of coverage offered. For example, if you have collision coverage, your rental car reimbursement endorsement would pay for you to rent a car after an accident so you can get your car repaired. If you have comprehensive coverage and your car is stolen, you’d be able to use your rental car coverage then, too. Generally, a rental car is relatively inexpensive compared to the total monthly insurance payment.

Lastly, it’s important to remember that insurance won’t pay for you to rent a car on vacation or for a car in the shop for maintenance. In these cases, you’ll need to pay out of pocket. Choosing a rental car with insurance can be confusing, but by knowing what your coverage includes and considering the cost and coverage offered, you can make the best decision for your situation.

10. Rental Car Insurance: Theft and damage

When renting a car, it’s important to know the coverage options for theft and damage to the vehicle and its contents. Most rental companies provide coverage for these types of incidents, usually including liability coverage, personal accident insurance, collision damage waiver (CDW) and/or loss damage waiver, and personal effects coverage. There are also third-party providers that offer rental car insurance, such as Sure and Allianz Global Assistance, which may provide coverage up to $100,000 for damage and/or theft. However, it’s important to check your own auto insurance policy, as it may already provide this same coverage and you may not need to purchase additional insurance from the rental company. Knowing your coverage options and comparing them is essential to making sure you’re properly protected in the event of theft or damage to your rental car.

11. Rental Car Insurance: Reductions and reimbursements

There are several reductions and reimbursements available for rental car insurance. First, rental reimbursement coverage is an optional coverage you can add to your personal auto insurance policy to help pay for rental car costs while your vehicle is being repaired after an accident. This coverage is usually inexpensive relative to your total monthly insurance payment, and can cost as little as a few dollars per month. Secondly, most rental companies typically have a short, predictable suite of rental vehicle insurance offerings, although you can decline the offered coverage from the rental company if you already have appropriate coverage. Finally, some credit card companies may offer rental car insurance as a perk, and could include reimbursing you for your car insurance deductible if you make a claim or paying for the entire cash value of the vehicle if it is totaled. It is important to check with your credit card issuer to see if your benefits include this coverage, as the benefits can vary.

12. Rental Car Insurance: Renewal and cancelation

Renewal and cancellation of rental car insurance for a car with insurance is a straightforward process.

Step 1: Check your personal auto insurance policy to see if rental car coverage is included. If it is, you should not need to purchase rental car insurance from the rental company.

Step 2: If you do not have rental car coverage through your regular auto insurance, contact the rental company to determine their policy. Find out the cost of the coverage and the types of coverage available.

Step 3: Depending on the rental company, you may be able to purchase the coverage online or over the phone. If you are purchasing it at the counter, ask if there are any special discounts available.

Step 4: Depending on the rental company, you may be able to renew your rental car insurance online or over the phone. If you are renewing it at the counter, ask if there are any special discounts available.

Step 5: To cancel your rental car insurance, contact the rental company to determine their policy. If you purchased coverage online or over the phone, you may be able to cancel the coverage online or over the phone. If you purchased the coverage at the counter, you will need to return to the counter to cancel the coverage.

13. Rental Car Insurance: Mileage and usage

When renting a car with insurance, it is important to consider the mileage and usage considerations of the rental. Depending on your car insurance provider, your car insurance policy may cover rental cars within the United States, but may not extend to rentals outside the country. When renting in the U.S., coverage typically extends to rentals of similar value to your personal car. Long-term rentals may have additional limitations on coverage from your car insurance provider. Additionally, to be covered under your car insurance policy, you may have to purchase additional coverage from the rental company.

It is important to be aware of your personal car insurance policy limits, because your car insurance company will not pay out more than your coverage limits, regardless of the rental car’s value. Furthermore, your personal auto insurance policy may include liability coverage, comprehensive coverage, collision coverage and medical payments/personal injury protection, in which case you may not need rental car insurance at all. Credit card companies may also offer rental car insurance as a perk, so it is important to contact your card issuer to learn if they provide this coverage and what limitations there may be.

Overall, it is important to understand your car insurance policy and rental company insurance offerings before you rent a car, to ensure you are adequately covered in the event of an accident.

14. Rental Car Insurance: Budgeting and cost

Budgeting and cost are two major factors that need to be considered when making a decision about car rental with insurance. The cost of rental car insurance can vary depending on the type of car you rent, how long you will have it and other circumstances. Common insurance options offered at the rental counter are Liability coverage, Loss-damage waiver, Personal accident insurance and Personal effects coverage, ranging from $7 to $20 a day. If you already have comprehensive and collision insurance coverage on your own car, you may not need to pay for additional protection, but forgoing liability insurance could be risky. Additionally, if you are filing a claim with your own insurance company, the cost of the rental car may be covered, but there is usually a dollar limit for rental payment. Budgeting your car rental and insurance needs can help you make the best decision, as there are other costs that may need to be taken into account such as gas and lodging, as well as any additional fees.

15. Rental Car Insurance: Contact information

When contacting a rental car insurance company, you should consider the following information:

1. The type of coverage offered by your personal auto insurance policy and if it covers rental cars.

2. Whether your credit card company offers rental car insurance as a perk and what the limitations may be.

3. The policy of the rental company, including the types of rental vehicle insurance they offer.

4. Whether you need rental car insurance or if your personal car insurance coverage is adequate.

5. Your budget and the cost of purchasing extra auto insurance coverage from the rental company.

16. Rental Car Insurance: Website policies

When renting a car, there are several policies that should be taken into consideration to ensure you are properly insured. These policies include:

1. Checking your personal auto insurance policy to determine if you’re already covered and are able to decline the offered coverage from the rental company.

2. Understanding the rental company’s short and predictable suite of rental vehicle insurance offerings.

3. Liability coverage, which covers property damage or bodily injuries sustained by another individual if you’re at fault for an accident.

4. Collision Damage Waiver (CDW)/Loss Damage Waiver, which covers damage or theft of the rental car.

5. Personal Effects Coverage, which pays to reimburse you if your personal items are stolen from the rental vehicle.

6. Personal Accident Coverage, which pays for medical expenses if you or your passengers sustain injuries in an accident.

7. Confirming your auto insurance policy includes collision, comprehensive, and liability coverage.

8. Speaking with your insurance agent or company to find out exactly what your car insurance policy will cover on a rental car.

9. Checking the language of your policy or speaking with your insurance agent to be certain you’re covered.

10. Comparing types of protection offered by rental companies to what is available from an insurer, and filling any gaps.

11. Comparing auto insurance quotes from multiple providers to get the best coverage at the best price.

17. Rental Car Insurance: Insurance companies

What companies are available for rental car insurance? [Expanded list]: The 10 biggest car insurers nationally that offer rental car coverage in most cases are State Farm, Progressive, Geico, Allstate, USAA, Liberty Mutual, Farmers, Travelers, Nationwide, and American Family. Additionally, many credit card companies offer rental car insurance as a perk, so contact your card issuing company to learn if they provide this car insurance coverage, how much, and what limitations there may be. Lastly, you can purchase rental car insurance directly from the rental car company.

18. Rental Car Insurance: Media advertisements

Media advertisements for rental car insurance typically focus on the coverage that rental companies offer and the benefits of purchasing their insurance. These advertisements typically include information about liability coverage, collision damage waiver, personal accident insurance, and personal effects coverage. They also often emphasize the importance of checking your personal auto insurance policy to determine if you’re already covered and are able to decline coverage from the rental company. Lastly, they might also discuss the coverage that some credit cards offer, and the benefits of using a credit card’s insurance to protect a rental car.

19. Rental Car Insurance: Agent referrals

When renting a car with insurance, the cost of the rental can be affected by the agent you choose. If you choose to work with an independent agent, they can help you compare your existing car insurance policy to the coverage offered by the rental company. This can help you determine which coverage is best and if any extra protection is needed. If you opt to use the rental company’s insurance, it may cost more than if you use your own policy. Credit card companies also offer rental car insurance, so it’s worth checking to see if your card provides coverage and if it is sufficient protection for your rental car. Ultimately, an independent agent can provide guidance on the best type of coverage for your rental car situation and help you make the best decision for your needs.

20. Rental Car Insurance: Insurance policies

When considering insurance for a rental car, there are a few different policies that are available from rental agencies. These include liability coverage, collision damage waiver (CDW)/loss damage waiver, personal accident insurance, and personal effects coverage.

Liability coverage is designed to cover any property damage or bodily injury suffered by another party if you are at fault for an accident. Collision Damage Waiver (CDW)/Loss Damage Waiver releases you from responsibility for any damage or theft to the rental car. Personal accident insurance covers medical expenses if you or your passengers are injured in an accident. Personal effects coverage pays to replace any items stolen from the rental car.

In most cases, the top ten car insurers (State Farm, Progressive, Geico, Allstate, USAA, Liberty Mutual, Farmers, Travelers, Nationwide, and American Family) include rental car coverage in their policies. However, you should check the language of your policy or speak with your insurance agent to be certain you’re covered.

It is possible that your personal auto insurance policy covers these same types of coverage, so always ask your insurance agent or company before renting a car. If your personal auto policy includes liability, comprehensive, collision, and medical payments/personal injury protection, you may not need rental car insurance. If you have a homeowners, renters, or condo policy, any personal belongings you keep in a rental car should be covered too.

How Do You Find Out if Your Insurance Pays for a Rental Car?

Step 1: Look at your current auto insurance policy

Step 1: Check your auto insurance policy for rental car coverage. This coverage typically extends to vehicles rented within the United States if you carry comprehensive and liability coverage on your personal car.

Step 2: If your policy does not include rental car coverage, contact your auto insurance provider to see what type of coverage for rental cars is available.

Step 3: If the coverage available from your provider is not enough, inquire about what changes you can make to your policy to assure that you are covered while renting a car.

Step 4: Carry your auto insurance policy paperwork with you when you arrive at the rental counter. This way, if there are questions you can’t answer, you can refer to your insurance policy.

Step 5: Additionally, carry your auto insurance agent’s phone number with you in case you need to make a call for clarification.

Step 6: Consider purchasing the extra auto insurance coverage offered by the rental company, especially if you’re renting a car of significantly higher value than your personal car.

Step 2: Check if your credit card offers auto rental collision damage waiver insurance

Step 1: Check with your credit card company to see if they provide insurance coverage for rental cars. Ask for specific coverage information, rules, and restrictions to make sure you are fully protected.

Step 2: Review your policy documents to ensure any personal items will be covered if stolen from a rental car.

Step 3: Examine your card’s benefits and exclusions to see if you are eligible for car rental insurance.

Step 4: Purchase the rental company’s Collision Damage Waiver (CDW) if you decide not to go with the credit card’s insurance.

Step 5: Pull up your credit card agreements to see if any rental car insurance is included.

With these steps, you can check to see if your credit card offers auto rental collision damage waiver insurance.

Step 3: Compare rates and coverage

Step 1: Gather information about your current auto insurance policy and any additional coverage options you may have, such as rental car coverage.

Step 2: Research different car insurance providers to compare offers and coverage options. It is important to understand any coverage exclusions and limits of your current policy.

Step 3: Once you have identified your preferred insurance provider, contact them to get a quote for rental car coverage. Make sure to provide all required information about the rental car, such as make, model and rental dates.

Step 4: Ask the provider about any additional coverage options that may apply to your rental car, such as liability coverage, collision and comprehensive coverage, personal injury protection, and uninsured and underinsured motorist protection.

Step 5: Review the details of the quote and make sure you understand the terms and conditions, including any deductibles and limits.

Step 6: If you are happy with the coverage and rates, make a payment and obtain a copy of your policy documents.

Step 4: Review customer reviews and ratings

Reviewing customer reviews and ratings can help you find out if your insurance pays for a rental car. U.S. News & World Report’s 360 Reviews team takes an unbiased approach to their ratings and reviews, so you can trust that their advice is honest and accurate. The team doesn’t accept gifts, samples, or loans of products and services they review, and they have a separate business team with no influence over their methodology or recommendations. By reading customer reviews and ratings, you can get a better sense of the company’s customer service, policy features, savings opportunities, and overall value, so you can make an informed decision about which provider to choose.

Step 5: Research ways to save on your car insurance premiums

Researching ways to save on your car insurance premiums is a great way to save money. Here are some steps you can take to research and compare the different types of car insurance available:

1. Look into the different types of car insurance coverage available. Research the different features offered by the providers, such as how much coverage they offer, how they calculate premiums, and whether they offer any discounts.

2. Use online tools to compare different car insurance quotes from different companies. This will give you an idea of the different rates and coverage levels available.

3. Read reviews of the different car insurance providers. This will help you determine which providers are the most reliable and have the best customer service.

4. Ask your friends and family for recommendations and advice. They may have had a good experience with a particular provider, or they may be able to tell you about a good discount or special offer.

5. Look for discounts and special offers. Many car insurance companies offer discounts for good drivers or members of certain organizations.

6. Take advantage of online deals and comparison sites. By doing your research online, you may be able to find discounts or special offers that are not available elsewhere.

7. Ask your insurance provider about their loyalty programs. Many car insurance companies offer loyalty programs that will reward you for being a long-term customer.

By following these steps, you can research different car insurance policies and make an informed decision about your coverage.

Step 6: Consider purchasing coverage through the rental company’s own insurance

It may be beneficial to purchase coverage through the rental company’s own insurance if you do not have adequate coverage for the rental vehicle through your own auto insurance policy. Your personal auto policy may not cover certain types of accidents or damages, such as special types of mechanical damage. Also, if you are renting a more expensive or exotic car, your policy may not provide enough coverage. Buying insurance through the rental company can ensure you have enough coverage for your rental car.

Step 7: Make sure your current policy covers rental cars

Step 1: Check your auto insurance policy or contact your provider to see what type of coverage for rental cars may already be included in your personal auto insurance policy.

Step 2: Speak with your auto insurance agent ahead of time to make sure your personal policy coverage will cover the vehicle you plan to rent.

Step 3: Ask if your personal policy coverage will cover the rental car, and if the coverage is adequate for the type of vehicle you plan to rent.

Step 4: Ask what and whom your policy covers, and if the coverage extends past collision damage to liability, personal property, theft, etc.

Step 5: Inquire about what changes you can make to your policy to assure that you’re covered.

Step 6: Check to see if your personal items will be covered by your homeowners or renters insurance.

Step 7: Have your auto insurance policy paperwork with you when you arrive at the rental counter in case you need to refer to it.

Step 8: Carry your auto insurance agent’s phone number with you in case you need to make a call for clarification.

Step 9: Call your auto insurance agent and ask if your car insurance covers your rental car.

Step 10: Check the language of your policy or speak with your insurance agent to be certain you’re covered.

Step 8: Familiarize yourself with the COVID-19 guidelines for managing through a crash

What are the guidelines for managing a crash while driving a rental car? [Step-by-step instructions]

1. Immediately after the accident, report it to the police and exchange information with the other driver.

2. Notify your insurance company and the rental car agency about the incident.

3. Arrange for a replacement rental car if necessary.

4. Make sure you have all the necessary documents, including your driver’s license, insurance card, garage door opener, and parking pass.

5. Consider purchasing supplemental coverage from the rental car company, even if you already have insurance coverage.

6. Once you pick up the new rental car, take extra precautions and drive safely.

Step 9: Ask questions during the consultation session

Step 1: Before you pick up your rental car, speak with your auto insurance agent ahead of time to find out if your personal policy covers the vehicle you plan to rent.

Step 2: Ask if any changes can be made to your policy to assure that you’re adequately covered.

Step 3: If you have homeowners or renters insurance, check to see if your personal items will be covered.

Step 4: Make sure that you have your auto insurance policy paperwork with you when you arrive at the rental counter.

Step 5: Carry your auto insurance agent’s phone number with you in case you need to make a call for clarification.

Step 6: When you pick up your rental car, don’t forget the essentials such as your driver’s license, insurance card, garage door opener, and parking pass.

Step 7: If your policy includes loss of use, rental costs can be covered. Ask your adjuster to set you up with an Enterprise reservation.

Step 8: If you were not at fault in the accident, discuss your rental needs with the adjuster. They can advise if the claim covers a rental.

Step 9: Reserve your rental now and when you come in to pick up, you can review your options.

Step 10: With over 500 locations in Canada and a customer-focused approach, you can feel confident that Enterprise will take care of you during this experience.