Does car insurance cover rental cars?

Updated: May 21, 2020

When you rent a car, the rental company will ask if you want to purchase their insurance. Do you need that insurance? Does your auto insurance already cover your rental car?

Before signing the rental agreement, call your agent/advisor and ask if your car insurance covers your rental car.


An important thing is the purpose of the trip. If you rent a vehicle for a business trip, you may not be covered by your personal auto policy. Another is the type of vehicle

you rent. If it's a moving truck, you may not be covered.


Contact your insurance agent/advisor before going on a trip. Review your policy and determine your needs.



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