If you have a personal auto insurance policy, generally speaking, your auto insurance should extend to a rental car. Depending on your particular policy, a rental car will most likely be covered by the collision or liability coverage you carry because you’re temporarily driving it and you do not own it. Basically, your policy should treat a rental like your primary vehicle while you’re in possession of it.
If you are looking for more coverage, you may want to consider purchasing the additional insurance offered by the rental car company. Be sure to ask questions and verify what is covered before you purchase or waive the insurance from the rental car company.
Some important tips to consider before you rent a car:
• Talk to your insurance agent or company. Verify with your agent if the coverage you have on your vehicle will cover a vehicle you rent.
• Check with your credit card company. Your credit card company may provide coverage at no charge if their card is used to pay for the cost of the car rental.
• Take your personal auto insurance policy and details of coverage with you to the rental car counter. If you are in doubt have your agents name and phone number readily available as they should be able to help answer questions you are unsure of.
Always keep in mind only you can decide what’s best for your financial situation and peace of mind!
NOTE: The answers to coverage questions are primarily based on ISO forms generally used in Florida by most companies. However, please keep in mind that all companies’ forms are NOT necessarily the same. Some companies may provide broader coverage and some may be more restrictive.
IN ALL CASES, THE CONSUMER MUST REFER TO HIS OR HER OWN POLICY FOR SPECIFIC COVERAGE INFORMATION.
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