Does my auto liability insurance cover me while driving a rental car?
Does my auto liability insurance cover me while driving a rental automobile?
I am going on vacation in Florida and am renting a automobile. I have automobile collision coverage via my credit card organization but want to know if my typical liability insurance coverage addresses me although driving a rental too or do I require special insurance coverage?
automobile liability insurance coverage
response from
nerdintraining
yes, they do display that policy. But only when you cover the rent.
this is an optional element of the insurance.
What do you assume? Solution below!
Tags: Auto, Cover, driving, Insurance, liability, rental
Comments (8)
No, you don’t need extra insurance. The coverage on your vehicle extends to the rental. However, all states differ. There are some that say the rental car’s liability insurance is primary and that yours is secondary. There are often disagreements between insurance companies, whose contracts put them excess over the rental company, and the rental company, who tries to put your insurance first. What matters is what the statutes say about whether rentals have to have insurance on them and how the law sees it. Either way, if you have your own insurance, and there’s insurance on the rental, it will get sorted out.
You need to check that with your auto insurance company. Different states have different regulations. In NYS, you are covered anywhere because we have “no fault” but I have relatives in NC that found out the hard way when they first moved there. Best to call your company for accurate information. Be aware of credit card coverage also because they too have inserted “legal” language that can come back to haunt you if a claim is filed. Not all cards are the same!!!
some companies will some companies will not you need to contact the company to be SURE
Contact your insurance company or read your policy. Some do some do not.
I’m a licensed insurance agent in over 40 states. I can tell you that your coverage will follow you to a rental car. This answer with “rental coverage” is BS…that is if you get in a accident and you need a car to rent it will pay for the fee of renting a car. The extra coverage they offer is OK but most of the time you don’t need it unless you really want it as it’s just another way for the rental company to make money
Yes, you’re covered. They never even ask for verification from me, and I rent cars all the time.
If you’re using some cut-rate no-name company, I would call the agent and make sure. It COULD be a big problem if you’re NOT covered.
only If you purchased that part of it . Check with your Insurance agent