When You Rent A Car Does Your Insurance Cover It?

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   Tom Sheehan

   Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482

   Always check with your insurance professional before renting a car.  Generally speaking, unless you have special limits found in a non standard policy,  the coverage you have on your personal auto policy does extend over to rental cars while they temporarily replace yours.  Keep in mind, though that if you have an older car, for example, and are not carrying Collision on your policy, you will not have collision on the rental. The Liability coverage you have transfers fully,but comp and collision only transfer if you have them .  Remember though that I referred to a rental car.  This extension of coverage does not necessarily include rental vans or trucks used for moving or hauling. One other thing to keep in mind.  Many credit card ccontracts provide some limited coverage if used when renting a car. This is usually up to $500.00 which may be enough to cover the deductible from your personal auto policy.

   Answered on September 25, 2013

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