Hi ,

Ever wonder if you're covered when you rent a car?

When you rent a private passenger vehicle, your Personal Auto Insurance policy typically extends coverage to the rental vehicle under certain conditions.

Here’s how it works:

1. Liability Coverage

What it covers: If you cause an accident while driving the rental vehicle, the liability coverage from your personal auto policy will extend to cover any damage or injury you cause to others.

Limits: The coverage will be subject to the same limits and terms as your personal auto policy.

2. Physical Damage Coverage (Comprehensive and Collision)

What it covers: If your policy includes comprehensive and collision coverage, this will generally extend to the rental vehicle. This means if the rental car is damaged in an accident or by other covered events (e.g., theft, vandalism, fire), your personal auto policy will help cover the repair or replacement costs.

Deductible: You may still be responsible for paying your policy’s deductible before the coverage kicks in. Some companies waive the deductible.

3. Medical Payments or Personal Injury Protection (PIP)

What it covers: Medical payments or PIP coverage, if included in your policy, will extend to cover medical expenses for you and your passengers if you're injured in an accident while driving the rental vehicle.

4. Uninsured/Underinsured Motorist Coverage

What it covers: If you’re hit by an uninsured or underinsured driver while in a rental car, this coverage will help pay for your injuries and damages, similar to how it would if you were in your own car.

5. Exclusions and Limitations

Commercial Use: The coverage typically only extends to rental vehicles used for personal purposes. If you rent a vehicle for business or commercial purposes, the coverage may not apply. Also, commercial vehicles are generally excluded.

Rental Period: Some policies may have limitations on how long the rental vehicle is covered, so it’s important to check the specific terms of your policy.

Rental Company Insurance: The coverage provided by your personal auto policy may be secondary if the rental company’s insurance is primary, meaning your policy would only cover costs not paid by the rental company’s insurance.

6. Rental Car Loss of Use

Some policies may not cover the rental company's charges for loss of use (when the rental vehicle is out of service while being repaired). It's important to verify if your policy includes this coverage.

In summary, your Personal Auto Insurance policy generally extends the same coverage to a rental vehicle as it would to your own vehicle, but it's important to review the specific details and limitations of your policy or discuss with your insurance agent to ensure you’re fully covered.

Have any question, reply to this email or call us. Safe travels!

George Page Jr.

Page Insurance, Ltd.

Phone: (203) 453-5258

Website: www.pageins.com

Click HERE to schedule a 15 minutes call with me!

Please note: Our office will be closing at 3:00 PM on Fridays through 8/30.

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