Avoid paying for redundant insurance coverage when you rent a car

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Me and sister have been planning a road trip for over two years now which will be around 3000 miles zigzagging in and out of tornado alley in Central part of United States. Rather than put a lot of miles on our new Camry, we decided we would rent a car with unlimited mileage(appears to be quite standard these days) putting the wear and tear on the rental vehicle rather than our new ride. You know the saying about red headed step kids and rental cars!

So the big question is insurance and does the comprehensive and liability coverage on your personal car extend to your rental car? We got a clear answer from friendly attendant at Enterprise.

He stated coverage from your primary auto insurance will extend to a rental vehicle. If you cause an accident while driving the rental, your liability insurance would pay  for the damages to other cars or property. Same thing with collision coverage which will pay for accident related damages to the rental car you’re driving.  Also your comprehensive coverage would take care of damages to the rental vehicle not related to a traffic accident, such as theft, vandalism, hail, and flooding. We corroborated all this at the user friendly GEICO site which uses very clear language on their rental car policy coverage.

Finally, understand that all transfer of coverage is based on the vehicle you own, NOT the vehicle you rent. In our case, the Camry is more pricey than an economy car and would be more than enough coverage if the economy car we rent is stolen, damaged, destroyed in natural disaster etc. Also, don’t just show up to rental place and slap down your American Express card on counter thinking it will be adequate coverage. You either have to buy necessary insurance from rental entity OR have it covered, as described, by your own vehicle policy.

 

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