If you travel for personal or professional reasons this summer, you will likely rent a car. When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance.If you travel for personal or professional reasons this summer, you will likely rent a car. When it comes to car rental, most people often ask if they need to buy the rental car agency's insurance.
Let's jump straight in. Let me remind you, that while I am an insurance agent, I may or may not be your insurance agent. Maintaining your policy in good standing and the coverage you carry will determine whether or not your claim is accepted or denied. We are discussing hypotheticals here. Now...
Do you need to purchase additional insurance? Most of the time, no, probably not. Your personal auto insurance will cover you for liability and, should a get in an accident, full coverage will cover damage to the rented car. Ask your agent (or call us for a quote!) and ask about certain specific criteria that may affect you and apply to you in given situations.
If you are combining a business trip and a personal vacation - you may not be covered by your personal policy, but your employer's policy may cover you instead. This can get confusing quick, so, be sure you speak to an insurance agent with any questions you may have.
If someone breaks into my rented vehicle and steals my luggage, is that covered? Typically personal property will not be covered. However, and again, speak to your agent before you travel to be sure!
What if there is going to be more than one driver? In this case, you may want to consider purchasing additional insurance. This is where coverage can really get tricky and it is much better to be safe than sorry. Some people question whether or not permissive use applies to rented vehicles the same as personal vehicles. It does not. Call us today if you have additional questions or want a quote for your auto or home insurance!