Let’s face it—renting a car can be exciting. Whether you’re heading out on vacation, your car is in the shop, or you need something larger for a weekend move, renting a vehicle offers convenience and flexibility. But before you hit the road in that rental, it’s important to ask: Does your personal auto insurance cover you? At Rock Hard Insurance Agency in Fontana, CA, we often hear this question, and it’s a great one.
Does Your Policy Extend to Rentals?
In many cases, the answer is yes. If your personal auto insurance includes liability, collision, and comprehensive coverage, those protections may extend to a rental car. This means that if you cause an accident or the rental is damaged, your existing insurance might help cover the costs. However, there are limitations. For example, if you typically drive an older sedan and rent a high-end SUV, your policy may not fully cover the value of the rental vehicle.
Should You Take the Rental Company’s Insurance?
When renting a car, the rental company typically offers additional insurance options, such as a collision damage waiver or liability coverage. While it may be tempting to decline these options to save money, they can provide extra peace of mind, especially if your current policy has high deductibles or limited coverage.
Know Before You Go
The best way to avoid surprises is to contact your insurance provider before picking up the rental car. Every policy is different, and it’s better to clarify your coverage upfront than deal with unexpected claims later.
If you’re unsure whether your personal auto insurance covers rental cars, reach out to Rock Hard Insurance Agency in Fontana, CA. Our team will walk you through your options and ensure you’re protected no matter what you’re driving.
