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Yes, Farmers offers rental car insurance. If you already have a personal auto policy with Farmers that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Farmers, physical damage to the rental vehicle will not be covered.
You can talk to a Farmers customer service representative at 1 (888) 327-6335 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Farmers to cover your rental car, you can purchase insurance from your rental car company, or see if it is offered by your credit card company.
Farmers Rental Car Coverage
Liability Insurance. Farmers liability insurance will usually extend to your rental as long as you are driving in the U.S. Your personal liability insurance will pay for others’ medical expenses and repairs to others’ property resulting from an accident you caused in your rental vehicle.
Collision and Comprehensive Insurance. If you have collision and comprehensive insurance with Farmers, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Farmers collision and comprehensive coverage limits may not be high enoughif you are renting a car with a much higher value than your personal vehicle and the car gets totaled.
Personal Injury Protection or MedPay. If you have personal injury protection (PIP) or MedPay through your personal auto policy, medical expenses for you and your passengers will be covered even after a rental car accident. If you do not have either type of coverage, you can purchase personal accident insurance through the rental car company.
Farmers also offers rental car reimbursement coverage, which helps pay for the cost of a rental car while your personal vehicle is being repaired for a covered claim. If you add rental reimbursement to your policy, Farmers will pay about $30 to $100 toward the cost of your rental, up to 30 days. You select specific rental car reimbursement limits when you purchase the add-on. For example, Farmers might pay up to $25 per day for a maximum of 30 days for your rental car.
To learn more, check out reviews of Farmers on WalletHub, as well as our guide to rental car insurance.
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