Are you looking to rent a car this weekend but don’t know if your insurance will cover it? State Farm wants to make sure you’re covered, no matter where you decide to drive. Auto insurance can be tricky, but State Farm has the resources to help you figure out what’s covered and what isn’t. We also have a variety of tools and resources to help you keep your policy in check. So whether you’re looking for rental car coverage or another type of insurance, State Farm is here to help.
What is Auto Insurance?
Auto insurance covers you and your passengers in the event of an accident. It can help cover costs such as medical expenses, property damage, and lost wages. Auto insurance also protects you if you are involved in a car crash while driving for hire, such as a taxi or Uber. Some states require auto insurance for drivers of rental cars.
Types of Auto Insurance
There are a few different types of auto insurance and each has its own benefits and drawbacks.
Full coverage insurance protects you financially if you are injured in an accident, regardless of who is at fault. This type of policy will pay for damages to your vehicle, as well as any medical expenses that you may incur.
Collision coverage pays for damages to your car from collisions with other cars, objects, or animals. If the at-fault driver’s policy covers damage to your car, then collision coverage will also cover the costs.
What kind of liability insurance you need will depend on your state’s laws. In most states, you must have some form of liability insurance in order to drive a car on public roads. This type of coverage typically covers injuries that you cause while operating your vehicle, as well as those caused by someone else who is driving with permission from you.
Uninsured motorist insurance pays for damages caused by someone who doesn’t have any form of auto insurance. This type of policy can be invaluable if you happen to get into an accident with an uninsured driver.
Is Renters Insurance Necessary?
Renting a car can be a great way to get around, but renters insurance is always a good idea. This type of insurance protects you and your belongings in the event that something happens while you’re driving or renting the car. There are different types of renters insurance, so find one that fits your needs.
Some basic requirements for renters insurance include having proof of current vehicle ownership, having liability coverage up to $500,000 per occurrence, and being 21 years old or older. There are also other restrictions on certain types of rentals, such as vehicles that are used for commercial purposes.
To find out more about what renters insurance covers and what may not be covered, speak to an agent at your local insurance company or check out the policy documents online.
Auto insurance usually covers rental cars if you are the primary driver and the car is rented through a reputable company. State Farm offers a variety of coverages including property damage, personal injury protection, and uninsured motorist coverage. To find out if your auto policy offers coverage for a rental car, contact them directly.