Can you use your own auto insurance when renting a car?

Do you need extra insurance when renting a car?

It’s highly recommended you arrange car insurance when hiring your rental vehicle because not all credit card and travel insurance policies cover car rental. … Additional drivers can be added at a cost, but this will ensure you’re covered if a few of you are taking turns to drive throughout the trip.

Can you use your own insurance for a rental?

If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States. If you’re renting a car in the U.S. of similar value to your personal car, in all likelihood your auto insurance coverage will be adequate for the rental.

How does my insurance work when I rent a car?

In general, the coverage you have from your primary auto insurance will cover a rental vehicle. For example, when it comes to liability insurance, if you cause an accident while driving the rental car, your liability insurance would pay up to your policy limits for the damages done to other cars or property.

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Can I rent a car without insurance?

Do you need insurance to rent a car? No, you don’t need to have insurance because rental cars are already insured. That said, some form of rental insurance is strongly advised because if you rent a car without insurance, you are responsible for any damages to the vehicle.

Do I get a rental car after accident if not your fault?

If you’ve been involved in an accident that was not your fault, the at-fault driver’s insurance company is responsible for paying for your rental car. Start by contacting the at-fault driver’s insurance company to initiate a claim. … In other cases, the insurance company will only reimburse you for the rental car.

Does my insurance cover me driving another car?

Does car insurance cover driving other people’s cars? No, your car insurance won’t cover you if you drive another person’s vehicle and become involved in an accident where you’re at fault.

Can a car rental company sue you?

If a rental car company’s negligence resulted in an auto accident, no matter your insurance state, you may be able to sue the rental car company in a personal injury lawsuit to collect on damages not paid by your own insurance company, in rare cases.

How much does it cost if you damage a rental car?

A CDW covers damage to the rental car, but not to other people’s property. Collision damage waivers for economy vehicles typically cost $10 – $30 per day. Damage waivers do not cover theft or risky behaviors that result in damage, such as drunk driving.

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How much does it cost if you scratch a rental car?

Hubcap replacement can cost around $20. Small dents in the bumper without paint damage cost about $30, while repairing scratches can be more in the $75 neighborhood. Smoking is forbidden by all the major U.S. rental car companies and results in a $300 cleaning fee.