Delaney Simchuk, Car Insurance Writer
Yes, The Hartford offers rental car insurance. If you already have a personal auto policy with The Hartford that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with The Hartford, physical damage to the rental vehicle will not be covered.
You can talk to a The Hartford customer service representative at 1 (877) 896-9320 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through The Hartford 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.
The Hartford Rental Car Coverage
Liability Insurance. The Hartford 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 The Hartford, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your The Hartford 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.
The Hartford 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, The Hartford will pay up to $50 toward the cost of your rental, up to $1,500 per claim. You select specific rental car reimbursement limits when you purchase the add-on. For example, Hartford might pay up to $30 per day for a maximum of 30 days for your rental car..
To learn more, check out reviews of The Hartford on WalletHub, as well as our guide to rental car insurance.
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