1. 245 POINTS
    Tom Sorrels
    Coverage can vary by State. In Texas, a standard private passenger auto insurance policy will cover you in a rental car as a tempory substitute - and damage to the rental unit actually comes under the Property Damage coverage for contractual liability.

    Although it IS covered, I STILL buy the physical damage waiver coverage offered by the rental companies. I don't want the rental company filling a claim on the vehicle for something I was NOT responsible nor tagging my credit card for a LARGE amount and using up my credit limit.

    Hope this helps!
    Answered on April 3, 2013
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