Does personal car insurance cover rental cars for comprehensive and liability?

Question

Does personal car insurance cover rental cars for comprehensive and liability?

Answer 1

For car insurance the best way to get a low rate is do a policy comparison on car policies. Make sure that you choose similar policies with the same deductibles, car type, location, etc so that all things are a good comparison.



What I always recommend is an online comparison quote at http://www.InsureAutoNow.info since they have big name insurers and will give several quotes on auto insurance polices.

Answer 2

Your primary personal car insurance will carry over to a rental vehicle, but only the coverages you currently carry on your policy.  If you have liability only then you would not have physical damage coverage for the rental car.  If you carry full coverage then the physical damage coverage will carry over to the rental.  Every insurance company is different and it would also depend if you have "standard" or "non standard" (high risk) insurance.  Check with your agent for the details.

You'll want to research this some more....

http://insurance.deal4-you.com

Have a nice day.

Answer 3

In general yes. If the rental car is a private passenger auto, usually your policy will cover the rental car as a substitute auto.

Although most companies do this -- not all. Usually the carriers that specialize in high risk drivers have language in their policies that do not cover any vehicle other than the one listed on your Dec page.

Your best bet -is to call your agent and ask them.  

Answer 4

Call your agent and check with your insurance company as all policies are different.  Most will cover a rental vehicle for the same coverages as you have on your personal policy, but there are some that won't.  You'll also want to ask if your carrier covers "loss of use" on rental vehicles.  This covers the days the vehicle is out of service if you do happen to crash it.  Most carriers do not provide this coverage.

Answer 5

If you have liability insurance, you are covered  for liability. Liability insurance basically covers the driver and passengers but not the rental vehicle itself. Your liability insurance, (which is required by law) covers you in whatever vehicle you drive, as long as it is a rare occurrence, and not part of your normal routine. This includes a rental car.  Your insurance company will cover any damages you cause to anyone else (property and injury), up to your limit.

Many drivers are somewhat covered for the average rental.  Talk to your insurance agent. The same coverage and deductibles you carry on your car will apply — in most cases — to a vehicle you rent for when you are not on business.  Keep in mind though, If your coverage is on the skimpy side, you may need to compute the value of the loss or damage of a near-new vehicle (like the rental car)  and decide if you need to supplement it.  

If you rely on your own insurance, you probably would be responsible for paying your usual deductible.   Also, a loss-of-use fee is not normally covered by personal auto insurance policies.  And, personal auto policies that extend collision coverage to a rental car may only provide a coverage limit equal to the value of your own vehicle.  If the value of your personal vehicle is less than that of the rental vehicle, you could still incur some damage responsibility.  

Hope this helps!

Answer 6

Well yes it can cover it but you have to have a very special type of rare insurance coverage and very few insurance companies offer it too.A lot of people think like I did that bec you've full coverage insurance on your vehicle that it will cover the rental cars insurance fees but again it can if you've the proper extra coverage.

Hope that helps and best of luck.By the way if you've questions you really should call your insurance agent up especially if you've full coverage already.

Answer 7

Not normally.  My liability $1,000,000) covers me in any car I drive, rented, or borrowed, anywhere in Canada or the USA, but not my physical damage, that cover is limited to my own vehicle.  If I want collision and comprehensive on a non-owned vehicle (and on a rental, you bet your boots I do!), I buy a separate short-term policy.  

You have to read the wordings on your own policy, or call your broker, you may or may not have a non-owned vehicle damage rider.  If you have a claim, and they say "you don't have that coverage, tough noogies", you can't say "but those guys at Yahoo Answers said I did".

Answer 8

Dont count on it.  Most big companies do. However, my company does not on one of our policies.  better to be safe then sorry- call and ask.

Answer 9

It sounds like a not easy cracking nut,have a look here,you should find something useful for you.http://car-insurance.online-tips.info/ca...

Answer 10

normally if you have a policy with full coverage then yes.  it will NOT pertain to certain trucks over certain weights though, such as large moving trucks.  most of our policies will not cover any over 10,000lbs.  ask your agent about your policy.  my own policy covers it although when i rent a car i ALWAYS buy the rentals insurance as it is cheap and then i know i do not have to claim anything on my policy.