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How do you tell if your auto insurance covers rental cars?
My partner and I are going on vacation in a few weeks and we want to get a Hertz rental. How can we tell if our auto insurance covers rental cars?
Matthew Macgugan · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Vacationing is the best! You and your partner will be happy to know that most personal insurance policies will also cover
rental cars
.If you have
liability
, comprehensive
, and collision
coverage on your existing auto policy, then you should be covered—at least up to your policy’s limits. But as long as you’re renting a car similar in value to the one you have insured at home, you shouldn’t have to worry. All rental cars also come with the minimum amount of insurance required by the state that you’re renting in, but rental car companies may also try to sell you on a collision damage/loss waiver, which transfers liability from you to the rental car company in the event of an accident. You can usually decline this if you have the coverage types listed above. If you only have liability coverage, however, you should consider purchasing enhanced coverage through the rental agency to make sure you and your partner are covered.
If you want to make sure that your current policy covers you for any eventuality, it might be time to review your current car insurance plan. To do this easily, check out the
Jerry
app. We’ll get you personalized quotes from over 50 of the nation’s leading providers, so that all you need to do is pick the plan that works best for you.Enjoy your vacation!
View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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