If get in a car wreck while you crash a car that you rented, will your normal insurance pay for the damage?
Find answers to your legal question.
If get in a car wreck while you crash a car that you rented, will your normal insurance pay for the damage?
 
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Richard W
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Sometimes...you need to ask your agent BEFORE you rent a car.
If not, buy the rental Car Company's insurance/damage waiver. |
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missourim43
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Depends on your policy and also what insurance the credit card you used offers on rental cars. You'd be stuck for the deductable on your policy at least. If you are out of the country....God help u. |
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maggie rose
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Probably depends on which country you're from.
Rental car cos. usually have a GIGANTIC excess that you will have to cough up, before they cover the rest......... |
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Adnan Sallam
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It depend on your coverage. |
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CowboyBill
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If you have insurance on a personal car the coverage should extend to a rental. (see temporary substitute vehicle in your policy). Your deductable will be applied just as a loss on you personal vehicle. Which brings up a good point --- the insurance the rental car people try to strong arm you into buying is not needed provided you have enough coverage limits and liability, comp and collision in place. |
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answerman63
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The answer could be yes or no, depending on a few things. For starters, when you rent a car they ask you if you want the optional insuance coverage that they offer...if you said yes, then that coverage will take care of it. If you declined it, then you would be responsible...your insurance will cover it assuming you have collision/comp coverage. If you just have basic liability coverage, then you have a potential problem.
You should consult your insurance agent to make sure you are covered in the event something like this would happen. |
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mktobyjo
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I work for an insurance company. My insurance company would cover this. The full coverage policy you have on your personal auto would cover the rental car you used. But you need to ask your agent, as insurance companies and states vary. |
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ChevyGuy
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heck no |
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redneck girl
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If you want to use your existing insurance, you have to let your broker know ahead of time. I keep that rider on my policy all year long. It's really cheap.
However, if you buy the rental car company's insurance (which is much more expensive) and get into an accident it won't be on your insurance history, it'll stay with the rental company's. Which means your premiums won't go up.
Some credit cards offer rental car insurance as a free service, too. |
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nswblue
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It depends - did you buy insurance when you rented the vehicle? If you did their insurance would pay - if not - then yours - sorry! |
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