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Does Auto Insurance Cover Rental Cars?

Does Auto Insurance Cover Rental Cars?

Renting cars is now a  popular and convenient way to get around, but it can be expensive, especially if an accident happens while renting the car. Many people are still determining whether their auto insurance will cover any damage done to a rental car or not.

Auto insurance comes with a grace period that covers rental cars. This grace period is usually valid for around 30 days, sometimes even longer, depending on the provider and your policy terms.

Read more: What Is Grace Period in Car Insurance?

Your auto insurance usually covers rental cars; if the car is damaged in an accident, you can claim it on your policy. However, how much coverage you get depends on what type of coverage you have.

Read on to understand what type of coverage you need for your auto insurance to cover rental cars.

Types of Insurances for Rental Cars

Rental car insurance can provide essential coverage for the duration of your rental. It’s important to be aware that several types of rental car insurance are available, depending on what you need.

a) Collision Damage Waiver:

A collision damage waiver is an optional service the rental company may offer. It covers the cost of any damage to the rental car, so you won’t have to pay out-of-pocket if something unexpected happens while you’re behind the wheel.

b) Loss Damage Waiver:

A loss damage waiver is a type of coverage that can help protect you from having to pay out-of-pocket for any damage to the rental car. It covers the cost of repair or replacement if there is an accident or theft.

c) Personal Accident Insurance:

This insurance covers medical expenses and other costs associated with an accident while driving a rental car. This can include medical bills, lost wages, and other costs related to a collision or an injury sustained while driving the rental car.

d) Personal Effects Coverage:

If your personal belongings are stolen from the rental car, this type of coverage can help cover the cost of those items. It can also cover any damage caused by theft or vandalism.

e) Supplemental Liability Insurance:

If you are involved in an accident, and the other party’s damages exceed your insurance policy limits, supplemental liability insurance can help cover the costs of those damages. It can also provide additional legal protection for yourself and any passengers in the rental car.

Benefits of Car Insurance Covering Rental Cars

Having car insurance cover rental cars can be beneficial in several ways. These include:

a) Peace of mind –

Knowing that your existing car insurance covers your rental car can provide you with peace of mind and the assurance that you’ll be covered should anything happen.

b) Cost savings –

If your insurance policy covers rental cars, it could save you money. This is because there may not be a need to purchase additional coverage for the rental car, such as collision damage waivers (CDWs) and loss damage waivers (LDWs).

c) Coverage –

Your existing car insurance policy may provide comprehensive coverage for the rental car. Any damages or losses you cause while driving the rental car will be covered by your existing auto insurance policy, including medical expenses and property damage.

Contact Focus Insurance for the best car insurance in Decatur. We offer comprehensive coverage to ensure you’re always aware of rental cars.

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