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Q&A: Does my auto insurance cover a rental car?

rental cars

Talking to your insurance agent before renting a car can help you understand exactly what your coverage does and doesn't provide.

The best way to know for sure if your auto insurance coverage includes rentals is to speak with your insurance agent. He or she can explain how your coverage translates to a rental vehicle.

For example, your coverage may only apply for up to 30 days. Or your insurer may or may not cover a loss-of-use fee charged by some rental companies to make up for the time a damaged vehicle is out of commission.

You may also want to check with your credit card company. Some companies offer coverage if you use your credit card to pay for your rental.

Should you decide to purchase the rental company’s coverage, you’ll be buying what’s called a collision damage waiver. It’s not insurance; it’s an agreement on behalf of the rental company not to make a claim against you or your insurance company if the rental vehicle is damaged or stolen.

— Joan Donovan, insurance agent, AAA Lincoln Center, N.Y.

Read also: Is Rental Car Insurance Necessary?

AAA members get discounts and special perks when they rent cars from Hertz. Visit
AAA.com/Hertz.

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