When renting a car can I use my insurance?

Can I use my car insurance when renting a car?

In most cases, your existing car insurance will automatically extend accident benefits and third party liability coverage to the rental vehicle. The limits would be the same as those on your own vehicle. Physical damage to the rental vehicle may be covered if you carry it on your own vehicle.

How does my insurance work when I rent a car?

In general, the coverage you have from your primary auto insurance will cover a rental vehicle. For example, when it comes to liability insurance, if you cause an accident while driving the rental car, your liability insurance would pay up to your policy limits for the damages done to other cars or property.

Do you really need the extra insurance when renting a car?

You might not need to buy extra car insurance from the rental car company. That’s because the coverage on your personal auto policy may extend to a rental car. … If you have that on your personal policy, it may help pay to repair the rental car if it’s damaged in a collision. Again, a deductible will apply.

How much is insurance on a rental car?

“While car hire companies can charge anywhere from around $20 to nearly $45 per day to reduce your standard liability, standalone alternatives can cost as little as $10 per day”. You can purchase one of these policies directly from an insurer before picking up your hire car.

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What happens if you damage a rental car without insurance?

If the accident was your fault, you’re responsible for damage to the rental car and for any liability issues. In the event you are not at fault, your rental company will work directly with the other driver’s insurance company. … Note that it is usually illegal to drive a rental car without any insurance coverage.

Can you rent a rental car without insurance?

The simple answer to this question is “yes.” You can rent a car without having car insurance. In fact, that’s one of the reasons why rental car companies offer their own insurance in the first place. … But if you don’t already have your own insurance, you may need to buy some from the rental agency.