Do I need rental car insurance?
First and foremost, it’s important to make sure the car you’re driving is covered by insurance. When you rent a car, rental companies give you the option to insure the vehicle. However, you may not need it if rental cars are already covered under your existing insurance policy.
If your policy includes collision and comprehensive coverage, it might cover rental cars, too.
Does my existing car insurance policy cover rental cars?
If your vehicle breaks down or is involved in an accident, the last thing you want to worry about is finding another car. Aside from collision and comprehensive coverage, there are auto insurance policy “riders” you can add to your insurance policy for minimal cost. Adding a rental car rider to your coverage might make sense depending on your unique situation, especially if your vehicle needs frequent repairs. If you add a rental reimbursement rider to your policy, your insurance company may secure a rental car as a service to you during your claims process.
Find additional options with rental reimbursement coverage. This coverage pays for your use of a rental vehicle. By also including our towing and labor rider to your plan, your car is towed to a service center at no additional cost.
What if I need a long-term rental?
If you require a long-term car rental while you wait for repairs or shop for a new, primary vehicle, your auto insurance plan can help if you’ve got rental reimbursement coverage.
What if my insurance doesn’t currently cover rental cars?
If your current car insurance policy doesn’t include rental reimbursement or extended coverage, adding the coverage can help alleviate your concerns if your vehicle needs a repair that takes a few days to complete.