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Does your own car insurance cover a rental?

How personal auto policies often extend to rentals in the US, and the common gaps.

5 min read

In the US, many personal auto policies extend some of your coverage to a car you rent for personal use. But "some" is the key word, and it's worth a five-minute call before your trip.

Questions to ask your insurer

  1. Does my liability coverage apply when I rent a car?
  2. Do my collision and comprehensive coverages apply, and does my deductible apply?
  3. Are "loss of use", towing and administrative fees covered?
  4. Are there limits on vehicle type (trucks, luxury cars, vans) or rental length?
  5. Does coverage apply outside the US?

Common gaps

  • If you don't carry collision on your own car, it usually won't appear for a rental either
  • Business rentals may not be covered by a personal policy
  • Many US policies don't cover driving outside the US and Canada

Educational information, not insurance or legal advice. Confirm coverage with your insurer, card issuer and rental company. Global Auto Coverage is not an insurer, broker or rental company and takes no referral fees.