Yes. Mercury offers rental car insurance. Mercury rental car insurance is usually included in a driver's personal car insurance policy if the driver carries liability, comprehensive, or collision coverage and is driving in the U.S. Each policy is unique, though, and there may be certain exclusions based on your specific situation. It's very important to confirm the details of your policy by calling customer service at 1 (800) 503-3724 before declining additional coverage at the rental counter.
Mercury also offers rental car reimbursement, 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, your insurance company will pay between $30 and $100 per day toward the cost of your rental, up to up to 30 days. Rental reimbursement coverage costs between $2 and $15 per month, on average, but you'll need to call customer service to get a personalized quote and add this coverage to your policy.
Mercury Rental Car Insurance Coverage Limits
The same Mercury coverage limits that apply to your personal vehicle will also apply to a rental car. If you only carry liability insurance, Mercury will pay for the other driver's injuries and property damage after an at-fault accident—but not physical damage to the rental. You need a full-coverage policy to have damage to the rental car covered by your insurer.
If you rent a car similar in value to your personal vehicle, you probably have enough insurance. But if your personal vehicle is a 15-year-old sedan and you decide to rent a 2021 luxury car, you should look into extra coverage. That's because the limits you've chosen for your personal policy may not be sufficient to cover damage to a more expensive rental car.
One option to make up for insufficient coverage when renting a car is to get a collision damage waiver (CDW) from the rental counter, which leaves the rental company responsible if the car is damaged, vandalized, or stolen. In addition to a CDW, rental car companies offer a few other types of insurance if you don't have enough coverage with your Mercury policy. These include supplemental liability protection, personal accident insurance, and personal effects coverage.
The insurance offered by the rental company often duplicates coverage drivers already have through health, life, and auto insurance. You may also have rental insurance from your credit card company, which is nullified if you purchase the rental company's coverage.