Does auto insurance cover a rental car?

If you ever need a rental car, you might wonder whether your auto insurance will cover the cost. At Tackett Insurance Inc. in Memphis, TN, we are an independent insurance agency committed to serving our customers. We will ensure you have the coverage that best suits your needs.

Whether your auto insurance can cover a rental vehicle depends on the coverage type you have on your personal vehicle. If you possess basic auto insurance, it will only extend liability coverage. Consequently, you’ll need to get insurance through your credit card or the rental company. However, you won’t need to purchase the excess liability insurance on offer.

If you have collision and comprehensive coverage on your personal vehicle, then you will have the same coverage on the rental vehicle. This meets the rental company’s insurance requirement, and purchasing their insurance would provide duplicate coverage.

If your credit card offers rental coverage as a perk, it’s up to you to choose between utilizing it or your personal insurance. Both will offer protection, and your choice depends on whether you find one easier to deal with than the other.

You may be presented with the option to purchase protection for items you’ll be transporting in the rental vehicle, like your luggage or golf clubs. If you have home, condo, or renters insurance, you’re already covered for this, thus eliminating the need for additional insurance.

Allow us to assist you with your auto insurance needs. Our dedicated team at Tackett Insurance Inc. in Memphis, TN will ensure you receive the auto coverage you need. Call us today to discuss your auto insurance requirements.