Coverage That Typically Extends to Rentals
Your policy may provide:
• Liability coverage - injuries you cause to others
• Collision coverage - damage to the rental car
• Comprehensive coverage - theft, vandalism, weather
• Uninsured motorist - if at-fault driver is uninsured
• Medical payments - your injury expenses
Coverage is usually subject to the same limits and deductibles as for your own car.
• Liability coverage - injuries you cause to others
• Collision coverage - damage to the rental car
• Comprehensive coverage - theft, vandalism, weather
• Uninsured motorist - if at-fault driver is uninsured
• Medical payments - your injury expenses
Coverage is usually subject to the same limits and deductibles as for your own car.
Potential Coverage Gaps
Watch for these limitations:
• Business use exclusions
• Rental duration limits
• International rental exclusions
• Luxury/exotic vehicle exclusions
• Loss of use charges may not be covered
• Administrative fees may not be covered
• Business use exclusions
• Rental duration limits
• International rental exclusions
• Luxury/exotic vehicle exclusions
• Loss of use charges may not be covered
• Administrative fees may not be covered
Checking Your Coverage
Before renting, verify:
• Whether your policy covers rentals
• Your coverage limits
• Your deductible amounts
• Any exclusions or limitations
• Whether loss of use is covered
• Business use coverage if applicable
• Whether your policy covers rentals
• Your coverage limits
• Your deductible amounts
• Any exclusions or limitations
• Whether loss of use is covered
• Business use coverage if applicable