Many occasions arise when you are driving a rental car. If you are flying to your vacation destination, you may want to see the sights, which requires renting a car. You may rent a truck to move something or your entire family. You might have a problem with your vehicle and need to get it serviced. While it’s in the shop, you need a rental. Whatever the reason, you will be faced with many questions about insurance and whether or not you want to get the insurance offered by the rental company. At Lee Insurance Agency LLC in North Carolina, we place our customers first, and we are there for you no matter what you need.
Rental car companies offer a variety of coverages.
- Loss/collision damage waiver
- Supplemental liability coverage
- Personal accident insurance
- Personal property coverage
The simple answer to the question, does my auto insurance cover me in a rental car is maybe. It really depends on what type of coverage you have on your auto insurance policy. Whatever you have should cover you the same way when you are in a rental car. If you have liability coverage that you feel comfortable with while driving your own vehicle, it will be just as comfortable in a rental vehicle. So you can skip the supplemental liability insurance.
If you have full insurance coverage, you are covered for accidents and damage to the vehicle, but it may or may not extend to a rental car. You should call your insurance carrier to verify if your coverage extends to rental vehicles. When in doubt, take the collision damage waiver.
If you have health insurance, you don’t need personal accident insurance, and if you have a home or renters insurance policy, you don’t need personal property coverage.
Contact Lee Insurance Agency LLC in North Carolina to discuss all your insurance needs.