Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
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.
People also ask
How does rental car liability insurance work?
Rental car liability insurance is coverage that pays for injuries or property damage that you cause in an accident when you are driving a rental car. Rental car liability insurance does not protect you or your rental car from collision damage, car theft, loss of personal effects, or injuries.
Should You Get Rental Car Liability Insurance?
In most states, some rental car liability insurance is included with the rental. However, the state-mandated minimum...
read full answerDo you need insurance to rent a car?
No, you do not need insurance to rent a car because rental companies have their own insurance. Rental car companies usually provide minimum liability coverage only, so if you don’t have personal insurance, you’ll probably want to purchase extra rental car insurance through the rental company. If your personal car is insured and you pay for your rental with a credit card, you can probably skip the optional coverage offered at the rental counter.
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read full answerAre The Hartford insurance rates competitive?
Yes, The Hartford insurance rates are competitive for certain drivers, including seniors, teenagers, and college students. The Hartford car insurance customers pay an average of $767 per year, which is more than the national average of $671 per year. The Hartford's car insurance rates are based on your driving record and experience, along with factors like the type of car you drive, your ZIP code, your insurance history, and more. Your coverage and deductible choices...
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