Delaney Simchuk, Car Insurance Writer
@delaney_simchuk
Yes, Travelers offers rental car insurance. If you already have a personal auto policy with Travelers that includes liability, comprehensive, and collision coverage, this insurance will likely extend to cover your rental car. If you only have liability insurance with Travelers, physical damage to the rental vehicle will not be covered.
You can talk to a Travelers customer service representative at 1 (800) 842-5075 to see if your personal policy will extend to your rental car. If you do not have sufficient coverage through Travelers 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.
Travelers Rental Car Coverage
Liability Insurance. Travelers 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 Travelers, this will typically cover any damage that occurs to the rental vehicle itself during your rental period. However, your Travelers 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.
Travelers 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, Travelers will pay about $30 to $100 toward the cost of your rental, up to $3,000 per claim . You select specific rental car reimbursement limits when you purchase the add-on. For example, if you choose $25 per day/$600 per loss as your rental reimbursement limits, Travelers will pay up to $25 per day, but no more than $600 per claim for your rental..
To learn more, check out reviews of Travelers 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.
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read full answerDoes my car insurance cover rental cars?
Yes, your car insurance covers rental cars, in most cases. Standard auto insurance policies cover car rentals in the U.S., up to your normal policy limits and with your regular deductible, but it’s best to check the details of your car insurance policy to make sure you’re aware of any specific rental car restrictions.
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