Does my car insurance cover my rental car?

If you carry liability, collision and comprehensive insurance, you’re probably already covered for damage to the rental car and other property damage and injuries that you cause. It’s smart to verify your coverage with your insurance agent before you pick up your rental car.

If you have an accident with the rental car and use your own insurance, keep in mind:

You will have to pay your deductible if you make a collision or comprehensive claim. If you have a higher deductible, you may want to consider buying the LDW. If it’s a short-term rental, like a weekend trip, spending an extra $18 to $60 might be worth it.
You may be responsible for loss of use. With an average repair time of two weeks, according to the Insurance Information institute, loss of use fees can add up quickly. Many insurance companies may not cover the rental agency’s loss of use fee.
Your personal car insurance policy might not extend to the rental car if:

The rental period is more than 30 days
The rental car is being driven in another country
The rental car is not being rented or operated by you, your spouse and/or eligible partner
You’re using the car for business, not personal use.