When you need to use a rental car, whether for vacation or for another reason, you may wonder if you need to pay the extra that rental car companies charge for insurance. At Atkinson Casey Agency in Monroe, GA, we are here to answer any questions you may have about your coverage. We are independent agents who work for our customers, and we will be there when you need us.
Does auto insurance cover a rental car?
It can be very intimidating to have to decide sometimes on the spur of the moment if you need to use the rental car company’s optional insurance coverage. It won’t just be one type either, so be prepared. Another thing to know is that if you are outside the US, anywhere but Canada, assume that you don’t have coverage and buy it.
If you have basic auto insurance, you will not be covered in a rental car. You do have liability coverage, which means you don’t need to take the excess liability that they offer as long as you are happy with the amount of liability coverage you already have.
If you have full coverage on your own vehicle, you most likely have enough coverage to protect yourself in a rental car. If you have any doubts or are renting a luxury vehicle, check with your insurance agent to ensure you are protected. You will be offered insurance to cover your personal property in the vehicle, for theft. If you have renters, condo, or home insurance, you already have this protection minus a deductible.
If you are worried about using your own insurance, you can always check with your credit card company. Many credit cards offer rental coverage as one of their perks.
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Contact Atkinson Casey Agency in Monroe, GA with your questions about auto insurance coverage.
