Does Your Auto Insurance Extend to a Rental Car?
When you’re at the rental counter, one of the first questions you’ll get is whether you’d like to add their insurance coverage. It’s a question that can catch drivers off guard—but the truth is, in many cases, your own auto insurance already follows you to a rental car. At FCI Agency, our advisors want to help you understand when you’re covered, what might not be included, and how to make the best decision for your trip.
1. Your Coverage Follows You
If you have an active auto insurance policy, your liability coverage typically extends to rental cars. That means if you’re responsible for an accident, your policy can help cover damage to others and their vehicles. And if you also carry comprehensive and collision coverage, the rental car itself is protected under your policy—just as if you were driving your own car.
2. What Rental Coverage Doesn’t Include
While your policy may cover much of the big picture, there are a few things rental companies may charge that aren’t always included. These can include “loss of use” fees (what they charge while the car is out of service for repairs) or administrative costs. Depending on your policy and the rental company, these expenses may or may not be covered.
3. When to Consider Extra Protection
If you don’t carry comprehensive and collision coverage, or if you simply want extra peace of mind while traveling, you may want to consider the rental company’s insurance. It can be a good option to avoid paying out of pocket for fees your own insurance won’t cover. The best step is to talk with your advisor before your trip so you know exactly what protection you have in place.
Stay Confident Behind the Wheel
The next time you’re at the rental counter, you don’t have to wonder if you’re covered—our advisors can help you know for sure. Contact FCI Agency today with any questions about your auto policy and rental car coverage. We’ll review your policy together so you can travel with confidence.
