Does Your Auto Insurance Cover Rental Cars?

The warmer weather, longer days, and the approach of summer signals vacation time. If you travel to a destination without a vehicle, you most likely will want to rent a car. Specials for such rentals abound on websites, newspaper, and coupon mailers. While these offers seem to be bargains, they don’t include insurance, which you may find necessary to protect yourself from damage or theft.

Such insurance can easily double or triple the total cost of the rental. Fortunately, you have options for that coverage including the personal auto insurance provided by Eichelmann Insurance Agency.

Rental Car Insurance

For a fee, the rental car company offers you at least two types of coverage. The first is Collision Damage Waiver, which eliminates your financial responsibility if your vehicle is lost or damaged. The second is liability insurance, which covers injuries to people and property damage. In Dallas, TX, and the rest of the state, minimum amounts for that coverage equal $30,000 for each injured person up to a total of $60,000 per accident, and $25,000 for property damage.

Credit Cards

Many credit cards also offer free rental car coverage, if you book the rental entirely with that card. Such coverage costs nothing extra and can avoid your having to purchase the insurance offered by the rental car company. However, keep in mind that credit card coverage is generally secondary. It will only kick in to cover certain damages and liabilities not covered by your regular auto insurance. A few cards, such as the Platinum Card from American Express and the Delta Reserve Credit Card offer primary coverage.

Auto Insurance

In Dallas, TX, or anywhere in the USA, your personal auto insurance policy typically covers the cost of insuring a rental car, particularly if the vehicle you’re renting costs the same as your personal car. However, if you’re in the habit of renting expensive convertibles or exotic cars that cost more than your usual ride, your insurance may not cover you totally. The best way to be sure is to contact Eichelmann Insurance Agency and ask how their policies cover the car you intend to rent.