I’m asking if full coverage covers the cost of the rental car…or at least a portion of it.

 

  • Jax 5:09 am on October 7, 2009

    No, if you are renting a vehicle for pleasure, your auto insurance coverage will not pay for the vehicle. If you have full coverage and something happened to the rental vehicle, your insurance will usually cover the loss, just the same as your current policy coverages.

    If you had a claim, and you had rental car coverage, the insurance company would help reimburse you for the cost of a temporary replacement while the claim is being settled.

  • mollyflan 5:09 am on October 7, 2009

    It all depends on what type of insurance policy you have. You need to check with your insurance agent. It probably does but you really need to check.

  • ANGEL Baby 5:09 am on October 7, 2009

    If your policy allows for it , you company may have limited insurance coverage for rentals….

  • Gem 5:09 am on October 7, 2009

    I assume you mean do they cover liability insurance for your rental car. Some do, some don’t.

    Also, many credit cards offer the insurance also, you just have to check your terms and conditions and perks.

  • Jinha 5:09 am on October 7, 2009

    yes if you have full coverage on your car insurance it will extend to the rental cars. you might have to show the rental company your proof of insurance if they ask for it.

    I would like to mention one disadvantage if you do not buy insurance for the rental company. For example if you rent a car and it is totaled in an accident, now your insurance company will only pay the trade in value of that car, and not the full pay of amount of the rental car (this is where the gap coverage plays its role in your personal car), rental company can still come behind you for that difference between the trade in value and pay of amount of the rental car, and till the claim is settled , rental company can also sue for loss of income from that car.

  • mbrcatz17 5:09 am on October 7, 2009

    Most don’t. Most of time, on the standard policy, collision and comp only carry over if the rental is a SUBSTITUTE vehicle, not an ADDITIONAL vehicle. Most of the time that means, YOUR vehicle has to be out of commission.

    BUT, to get a specific answer, you need to ask your agent, who has actually read your policy.

    I haven’t read it, so I don’t know.

  • StephenWeinstein 5:09 am on October 7, 2009

    My insurance (Geico, California) told me that they do, but only if the car is rented for 30 days or less, and that if you need a rental car for longer, you need to return it before the end of the 30 day period and get another rental car! (This seems stupid to me.)

    I do not know if this applies to all insurance companies or applies to Geico policies from other states. Some companies (or policies from some states) might not cover rental cars at all, so call your insurance company and ask.

  • zippythejessi 5:09 am on October 7, 2009

    Budget the car into your vacation. No. You actually have to shell out for that on your own. (BUT, you may be able to decline their insurance if your insurance will protect you – check your policy.)