How can I confirm if my auto policy covers rentals?

First, review your personal auto insurance policy. Your insurance binder will list your current coverages and can be accessed through your online portal for most major insurance providers. With your consent, we can help verify the coverage for each vehicle. Alternatively, you can contact your insurance provider directly to understand your coverage beforehand.

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If you have comprehensive and liability coverage on your personal car, this coverage typically extends to your rental car within the United States. For most rental cars of similar value to your personal vehicle, this coverage is usually sufficient. However, if you plan to rent a high-value vehicle, such as a brand new Lamborghini, your coverage might not be adequate. Verification will be necessary before each rental.

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Additionally, if you use a credit card to book your rental car, your credit card company may offer extended coverage. This can serve as secondary coverage, filling any gaps left by your personal auto policy.