While you likely have coverage for your vehicles in Richmond, VA, there are times when you drive another car. For instance, when you travel, you might rent a vehicle. Is that still covered?
We get that question a lot at Cary-Wheeler & Associates Inc., so here’s a basic breakdown of rental coverage.
Comprehensive Coverage
Let’s emphasize that every policy is different. You should always check to see exactly what coverage you have and never assume anything.
With that said, comprehensive auto insurance plans can include coverage for when you rent a car. When that is the case, a specific clause in the policy plan will explain rental car coverage.
Please note that even if your policy covers rental cars, exceptions may still apply. One of the most common exceptions is commercial use. In other words, if you rent a car for work, your insurance might not cover it, even if you have rental car coverage. In those cases, you likely need a commercial policy, which your employer should purchase.
What Is Covered?
If you do have rental car coverage, what is included? Once again, every policy is different.
That said, the most common inclusions include liability in cases where you cause an accident. You might also have collision/loss damage coverage for property damaged in the event. Personal effects coverage applies to your personal items that might be damaged or stolen. Finally, personal accident coverage applies to medical bills.
Additional Coverage Options
If rental coverage is not already included in your policy, you can often add it as an upgrade. You can also get a specific rental car insurance policy and bundle it with your other insurance policies.
Alternatively, most rental services offer their insurance option that you can purchase for each rental. Finally, some credit card programs provide rental insurance protection, although coverage limits will vary.
With all that said, if you want to be sure you’re protected when renting a car, your easiest path forward is a simple conversation. Contact Cary-Wheeler & Associates, Inc., and speak with an agent serving Richmond, VA. You can make sure you have the coverage you want.