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Hausmann Insurance & Financial Services Blog

Will Auto Insurance Cover Rental Cars?

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.