First things First: Does Personal Car Insurance Cover a Rental Car?
The first question most people wonder when deciding whether or not to buy rental car insurance is, does their own car insurance cover a rental car? To answer that, the limits and deductibles on your regular car insurance policy typically still apply to your rental car so long as you drive it for personal use. If it’s a commercial or business rental, your personal car insurance coverage may not apply. However, it is still a good idea to check your policy or call your insurance company to find out which coverages extend to a rental car.
Know Your at-the-Counter Options
There are generally 4 options available when you rent a car:
Know your Insurance Policies:
If you have reliable car insurance, renters/home insurance, and health insurance, you can save a lot of money by declining rental insurance
When Rental Car Insurance Coverage is Needed
*Picture taken from Pensacola Car Rental