Do you get the car rental insurance when renting a car? n/t

[RamblingRose]

21 votes, 0 passes | Time left: Unlimited
	Yes
	1 (5%)
	No
	19 (90%)
	Sometimes
	1 (5%)
	0 DU members did not wish to select any of the options provided.
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[Buckeye_Democrat]

1. I always relied on my credit card's rental insurance...

... but it was never put to the test.

[Eyeball_Kid]

2. I've been paying regular auto insurance for decades.

That policy covers ME as a driver. Getting other insurance might feel good and increase the FEELING of assurance, but doesn't really do any further protecting of health and welfare in the event of an accident.

[Buckeye_Democrat]

3. Yeah, that too.

I've had regular auto insurance for a long time too, but I haven't needed it in years... and never with a rental car.

I always max-out the liability, since it's inexpensive anyway.

[RamblingRose]

11. That's always been my assumption as well (credit card + car insurance) but as you said I've never

had to test it.

[mahatmakanejeeves]

4. Yes, because I own old cars, and I'm not covered for damage to what I'm driving.

You know what I mean. If I hurt someone, I'm covered for that. But if I total my own car, that's my problem.

[RamblingRose]

10. Is the insurance coverage for the rental based on the insurance coverage of the driver? We have

4 drivers/4 cars on our policy. My husband's truck has Liability & Collision and my van just has Liability. Does that mean if I'm driving the rental I'm not covered for Collision?

I've never figured out how to assign who drives what with car insurance policies.

[mahatmakanejeeves]

13. Disclaimer: This is not legal advice.

Last edited Sat Apr 16, 2022, 01:56 PM - Edit history (1)

The coverage of the rental car is based on the coverage of the person who completes the form and says who will be driving.

If you're driving, and you wreck the rental, and you don't have coverage for your own car (meaning that if you wreck your own car, you're out of luck), then the rental car company will come after you. If you buy the rental car agency's supplemental insurance, then they won't come after you.

You might find that your credit card picks up the tab for supplemental coverage. Look into that first.

Once again, this is not legal advice.

[BrightKnight]

5. No, it is covered by your existing policy. nt

[LakeArenal]

6. Depends. The one time I didn't I bent the tail gate.

Estimate was $500. Rental agent took the panel off, rubber malleted the dent and charged us $100.

Adobe for anyone who cares.

[RainCaster]

7. My auto policy covers me

[zipplewrath]

14. Careful

Some policies will only cover up to the current value of YOUR car. If you're driving an old beater, they may not fully cover that current SUV you're renting.

[Dial H For Hero]

8. My credit card covers me.

I

[pdxflyboy]

9. Only outside of the US.

Most foreign countries don’t recognize US insurance policies.

[RamblingRose]

12. I got the insurance when we rented in Newark & drove to NYC, mainly cause we got the rental for so

cheap I figured what was a few extra bucks. Otherwise, i've always declined it.

We'll be renting a car to drive to Baltimore and staying there for a couple of days. A friend recently told me of people harvesting for car parts in hotel parking lots which got me wondering if theft is covered.