Does auto insurance cover a rental vehicle?

After years of staying home or close to home, people are enjoying their freedom to head out for vacation. You book your flights, make hotel reservations and look for a rental car. That is where the stress begins, with many questions as soon as you start your reservation. At Compass Insurance in Centennial, CO, we know that we work for our customers, and we place the needs of our customers first. As independent insurance agents, we can offer our customers more choices.

After you determine what days you want to have your vehicle, where you want to pick up and drop off, and the type of vehicle you want, the questions about taking the offered insurance come up. It can double the rental price, and you wonder if you even need it. Won’t your auto insurance cover you? The answer is maybe. 

Where are you vacationing?

If you are going to Europe or most other places outside the US, the answer is no. Your personal insurance is not going to cover you. Canada, however, is the exception. Whether you rent your vehicle in the US and drive into Canada or rent in Canada, typically, your insurance will cover you. 

What coverage do you have on your personal vehicle? 

The coverage you have will cover you on a rental car. However, if you only have liability coverage, that is what you will have. You won’t have any coverage to protect the vehicle, which will not be acceptable to the rental company. You need full coverage, including collision and comprehensive, and not be required to take the insurance coverage offered by the rental car company. Not only that, you don’t need the coverage to protect your personal property, as long as you have a home, renters, or condo insurance policy. 

In Centennial, CO, contact Compass Insurance for all your auto insurance needs.