Category: Auto Insurance

If you are taking a trip out from Charlotte or Waxhaw, NC, and you’re thinking of taking a rental instead of the family car, you may be wondering if your personal auto insurance will extend to your rental car.

The short answer: Yes, it will.

Generally speaking, the rule of thumb is that the insurance follows the driver, not the car. So if you’re borrowing a friend’s car or renting a car, your insurance will cover it.

This gets a little more complicated when we’re talking about collision and comprehensive coverage value. If you drive with minimum insurance, that is, no comprehensive or collision insurance at all, then any damage to the rental car will come out of your pocket. Likewise, if you have far less comprehensive and collision insurance than the value of the rental car, then you will have to make up the difference.

But in more cases than not, a renter’s insurance is more than adequate to cover the value of the rental car.

So to make it short: Your insurance extends to a rental car, but you’ll want to make sure that you have enough insurance to cover the damages should something happen to the rental car. That means you will at least need adequate comprehensive and collision insurance. Otherwise, you might have to wind up buying insurance from the rental company and paying more than you’d like.

If you have any questions or if you’re looking to get covered in Charlotte or Waxhaw, NC, get in touch with Hausmann Insurance & Financial Services. Hausmann Insurance & Financial Services can get you the policy you need to cover you in your car or someone else’s.

For many people, having good auto insurance comes down to whether they have an agent they can trust to get them the right policy. It’s pretty easy to sign up for coverage, but it’s more difficult to get the right policy for your needs. If you’re in the Waxhaw, NC area or near Charlotte, reach out to us today at Hausmann Insurance & Financial Services. By doing that, you can get the vehicle insurance you need to have the protection you’re looking for. You don’t have to settle for a policy that doesn’t give you good coverage or one where you don’t get your questions answered. We can help you avoid all of that and get the coverage you need.

A good policy may cover the items that are in the car, as well as the car itself. But you’ll need to make sure the policy you have is the right one for your needs and goals. They may not all be right for you, and you want to protect your vehicle properly. If you choose the coverage that doesn’t work for you, you’ll end up without any type of security for the things that matter most. You could also end up with policy options that are well more than you’re looking for, which doesn’t really help you protect your vehicle correctly.

When you’re in the Charlotte area or in or around Waxhaw, NC, reach out to Hausmann Insurance & Financial Services for your auto insurance needs. Then you can have peace of mind and feel confident that you’re getting a policy that’s covering what you need and not adding what you’re not looking for. That’s a great way to have the right policy for your vehicle and can keep you enjoying your time on the road for years to come.