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Does My Car Insurance Offer Coverage for Rental Cars?

 car insurance for rental cars

Aug 16, 2023

Car Insurance

You might need to rent a car for several reasons. But before renting a car, you should consider opting for rental car insurance. While many regular car insurance policies have extended coverage for rental cars, too, many don’t. In such a case, you must get rental car insurance separately. 

Best Time for Getting a Rental Car Insurance Coverage

First, check your current automobile policy. Many states need auto liability insurance. If you need a rental car and don’t have an auto insurance policy, you will need liability insurance protection in the first place. 

You will also need a rental car insurance policy if:

  1. You are going abroad in a rented car.
  2. You are renting a large vehicle not covered by your general insurance.
  3. You are insured under a commercial auto policy only. 
  4. You are not covered by comprehensive or collision insurance. 

When getting rental coverage, check out the agreement details. Also, check the fees and the charges you will pay if the rented car is damaged. 

What Are the Different Types of Rental Car Insurance Coverage?

The different types of rental car insurance coverage are:

  • Personal Effects Coverage – This coverage protects belongings if stolen while in the rental car. It is wise to select the coverage limit for maximum claims. 
  • Rental Car Liability Insurance Coverage – This insurance covers you if you accidentally hit another vehicle while driving the rented car. It covers medical bills and car damage costs of the other vehicle. 
  • Collision Damage Waiver – This waiver does not cover damage caused by rash driving or driving on unpaved roads. Since you already have collision and comprehensive coverage, you might not need this waiver. 
  • Personal Accident Insurance Coverage – This rental car insurance policy pays funeral costs or medical bills for you and other passengers for an accident caused while driving a rental car. You will not need this coverage, personal injury protection, or any different health insurance plan. 

FAQs About Rental Car Insurance

Is rental car insurance covered by my credit card?

Many credit card companies offer great deals for rental car insurance, provided you pay for the vehicle with their credit card. 

Is insurance needed with a rental car?

It would help if you had extra insurance for car rentals only when your existing automobile policy doesn’t cover rental vehicles. Check your automobile policy to know the exact coverage it offers. 

Does Kneller Insurance Agency offer coverage for renting a car?

Kneller Insurance Agency offers personalized coverage for an auto insurance policy. It also provides a range for the cost of renting a car. 

Do I need to purchase rental car insurance?

If you stay in the United States, you don’t need to purchase rental car coverage from the same car rental company. Check if your auto insurance policy offers the required range.

Is it possible to rent a car through an insurance company?

Most insurance companies don’t offer the facilities for car rentals. They work through rental car businesses. 

Auto Insurance Coverage for All Kinds of Cars!

Kneller Insurance Agency provides comprehensive auto insurance solutions tailored to individual needs, ensuring optimal protection for customers. Contact us or call us directly at +1 (518) 392-9311 to receive a personalized quote and explore a wide range of coverage options. Our dedicated team is ready to assist you with expert advice and exceptional customer service. 

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