The first step is to review your car insurance policy or contact your provider to see what type of rental vehicle coverage is already included in your personal auto insurance policy. If you have comprehensive and liability coverage for your personal car, the coverage will normally extend to your rental car within the United States. This is a basic component of most auto insurance policies. If you have adequate liability coverage for your own vehicle (check with your insurance company), you can choose to skip this coverage.
I have two vehicles with liability coverage only. I'm about to leave the city for Florida. I will have to rent a car once there. Can I change the coverage of my two vehicles to include the collision and thus be fully covered in my rental? So, change back in after 90 days to cover future car rentals during the summer vacation? Since rental car insurance isn't something most of us deal with on a daily basis, it's easy to get confused or overwhelmed when presented with the option of this type of coverage.
In most cases, collision damage exemptions also offer “loss of use” coverage if the car rental company charges for the time a damaged car cannot be used because it is being repaired. Or, if you're looking for a new car policy, compare car insurance and find out why GEICO is the right choice. It should not be confused with rental reimbursement coverage, which is a supplement to the car insurance policy that offers reimbursement for a car rental in the event that the car is repaired due to a covered loss or accident. Rental car insurance is insurance that covers you when you rent a vehicle directly from a car rental company, such as Enterprise Rent-A-Car.
When you rent a car at the airport or another car rental agency, you will be asked if you want to add insurance to your rental or if you want to exempt it from insurance. Rental reimbursement is optional coverage that helps pay for the rental costs of the vehicle while it is being repaired as a result of a covered claim. Then, you get a clipboard with an intimidating car rental contract full of confusing insurance options. This is not an insurance product, but rather an exemption that transfers financial responsibility from you to the car rental company in the event of damage or theft.
Read on to learn some basic facts about rental car insurance and whether or not you need additional coverage beyond your personal auto insurance policy. If you are denied the ability to rent with your coverage, but you can resubmit your insurance qualification or insurance documentation that indicates that you are covered. To add my voice to the list, today I spoke to GEICO's support service and they'll cover you if you drive a reserved car through Turo, just make sure your limits are adequate for what you rent. I have coverage through Geico and wanted to confirm it before renting through Turo, so I called Geico and spoke to one of their agents.