McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, full coverage does cover rental cars. Rental cars are usually covered by any car insurance you have, including the main components of full coverage policies like comprehensive, collision, and liability insurance. It is always a good idea to double check your policy, though, to ensure there are no relevant restrictions.
On the other hand, full coverage insurance itself will not provide a rental car for you if your personal vehicle is out of commission. You would need additional rental reimbursement coverage for that.
When Full Coverage May Not Cover Rental Cars
- Your full coverage policy may only cover a rental car for a certain period of time, such as a few weeks or a month.
- Your full coverage policy will only pay out the actual cash value of your personal vehicle, even if your rental car is worth significantly more.
- If you are traveling outside of the U.S. or Canada with a rental car, your full coverage policy likely will not apply.
- Many personal full coverage car insurance policies will not provide protection for vehicles rented for business use.
- If you are renting an expensive vehicle and plan to use it for business purposes or drive it outside of the U.S., you should consider getting rental car insurance.
Full coverage car insurance normally includes comprehensive and collision insurance and at least the minimum insurance coverage required by state law. Full coverage policies are designed to provide protection for car accidents and non-accident-related damage to ensure the policyholder is covered regardless of fault.
To learn more, check out WalletHub’s guide to full coverage car insurance.
People also ask
What does comprehensive insurance cover?
Comprehensive insurance covers damage to your car caused by events other than collisions with other vehicles or stationary objects. For example, comprehensive insurance helps pay for damage from vandalism, natural disasters, fire, and theft, but it does not cover vehicle repairs after hitting a car.
What Comprehensive Insurance Covers
- Theft
- Vandalism
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When should you drop comprehensive insurance?
You should drop comprehensive insurance when you can afford to repair or replace your car out of pocket in a worst-case scenario. You should not drop comprehensive insurance if the car is valuable, since the coverage is inexpensive and will usually pay up to the car’s actual cash value, minus a deductible. Additionally, you definitely should not drop comprehensive coverage if it’s required by your lender or lessor. Doing so can result in serious consequences like...
read full answer by WalletHub, Financial CompanyHow much is comprehensive insurance?
Comprehensive insurance costs $160 per year on average, making it an inexpensive coverage option. Like with any type of car insurance, comprehensive insurance premiums vary based on factors like location, the driver’s age, and the vehicle’s value.
Additionally, comprehensive insurance is subject to a deductible, often ranging from $500 to $1,500. The driver can choose her own deductible when purchasing the policy. Higher deductibles mean lower premiums, and vice versa.
Comprehensive insurance covers...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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