Rental Car Insurance: What Personal Auto Policies and Credit Card Insurance Covers

Often people will automatically decline anything extra on the rental coverage because they may have heard other’s say to just decline it because it doesn’t matter. After all, doesn’t your regular personal auto insurance cover a rental? And is the neat insurance add-on on your credit card not the best fit for these situations anyways?

There are always exceptions and exclusions for having your personal auto insurance policy cover a rental. You will want to find out from your agent or insurance company what is covered for you and if there are exclusions of which you should be aware. And also credit card insurance add-ons should be worth a close look before signing the rental contract:

What a Personal Auto Policy Typically Will Cover on a Rental:

• Liability—Property Damage and Bodily Injury liability is covered for you if you should be at fault for an accident and the other party is injured and their property (such as their car) is damaged. Just like with your policy, it will only cover up to the limit noted on your declarations. You will be responsible for any injury or damage above the limit.
• First Party Medical—Whether you carry PIP or Med Pay, any injuries you sustain in a vehicle will be paid out to the limit of this coverage
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  for yourself and passengers, regardless of fault.

• Uninsured/Under-Insured Motorists Bodily Injury—If someone hits you and has insufficient insurance liability to cover your medical bills, you can claim benefits under your uninsured/under-insured coverage up to the limit. However, the UM/UIM Property Damage, if you have it, may not apply to a rental car.
• Physical Damage—If you currently carry Collision and Comprehensive (or “Other Than Collision”) on your Personal Auto Policy, it may
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  carry over to damages that occur on the rental.

• You will still be subject to your deductible, and you want to ensure that this is, in fact, transferred.

What Won’t be Covered:

• Depreciation—If your policy doesn’t provide the necessary

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  coverage to use OEM parts, or if for general damage the car’s value is depreciated; the rental car company will want to be compensated for this depreciation. Your Personal Auto Policy will not pay this.

• Loss of Rental Income—If your rental car has to be in the shop for repairs due to an accident and they are unable to rent out the car as a result, you will be charged for this loss. Your personal auto policy will not pay for this.
• Physical Damage—If you have only liability coverage on your Personal Auto Policy and you do not have Collision or Comprehensive, there will be none of these coverages to transfer to a rental. Tires may not be covered completely, either, so even if the physical damage is covered, you’ll have to come out of pocket for the deductible and for the difference in cost to replace tire(s) from what the current value of the tires were at the time of loss.
• Simultaneous Use of Personal Vehicle—If your personal auto listed on your insurance policy is in use at the same time the rental is in use, you will not be covered for the rental.

What Does the Credit Card Cover?

Most major credit companies will offer some type of rental car coverage; however, you will definitely need to read the fine print and ensure complete understanding of your rights and obligations. You also need to do the entire transaction for the rental car with the one credit card you want to have for insurance coverage, otherwise the credit card will not provide insurance.

It will often require you to decline the collision damage waiver and it will only be secondary insurance to what you have on the rental agreement and on your personal auto policy. Just like with the personal insurance, it will not cover depreciation or loss of income.

Image: Flickr.