When you’re out and about on the open road, you can count on your car to take a beating. Whether it’s a small scratch or a big dent, your car will need some TLC at some point. But what if something goes wrong while you’re out of town? In this blog post, we’ll explore the ins and outs of car insurance coverage for rental cars. We’ll help you understand which repairs are covered under your policy, as well as which ones typically aren’t. Plus, we’ll give you a few tips to ensure your rental car experience goes off without a hitch.
What is Car Insurance?
Currently, car insurance does not typically cover rental cars for repairs or replacements. This is because most rental companies do not have vehicle insurance in place. In order to be covered under your regular car insurance policy, you would need to either rent from a company that has comprehensive coverage or carry additional liability insurance.
Types of Coverage
There is a lot of confusion out there about what car insurance covers when it comes to rental cars. Different policies have different coverages, so it’s important to read the fine print on your policy before heading out on your next road trip. Here are the three main types of rental car coverage that you can expect: collision, comprehensive, and rental reimbursement.
Collision coverage pays for damages to your rental car if it is struck by another vehicle while in use. This type of coverage usually applies when you are renting from a company like Avis, Budget, or Hertz. Comprehensive coverage includes damage done to the vehicle beyond just collisions and covers things like theft and vandalism. This type of coverage is most commonly found with Alamo, Enterprise, or National. Finally, rental reimbursement pays for the cost of your rental car if something goes wrong while you are using it. This type of coverage is typically available through companies like Dollar General or Thrifty Car Rental.
It’s important to understand each type of coverage in order to know which one applies to you and your situation. For example, if you’re renting from an individual who doesn’t have a warranty or collision Coverage might not apply to you since the owner isn’t covered by the policy. Be sure to read all the fine print on your policy before hitting the road so that you know exactly what is covered and what isn’t!
How Much Does Car Insurance Cost?
There are a few factors to consider when calculating the cost of car insurance. The amount you pay will depend on your driving history, the make and model of your vehicle, where you live, and your age.
The average cost of liability insurance for a driver aged 18-64 is $818 per year, according to the National Association of Insurance Commissioners (NAIC). That figure jumps to $1,584 for drivers 65+ years old.
The type of coverage you need will depend on the facts of your particular case. Most people require comprehensive and collision coverage. Comprehensive coverage pays for damage done to your car from things like broken windows or stolen property being inside it. Collision coverage pays for damage from collisions with other objects, including cars and bicycles.
Cost also depends on how much money you’re insuring your car for. The NAIC says the average cost for bodily injury liability coverage is $30,000 per person/$60,000 per accident.
If you are in the market for car insurance, it is important to know that rental cars often do not fall under the standard policies offered by most insurers. In many cases, only personal cars are covered and this can include items such as damage done to the rental car while being driven. To ensure that you are fully protected if something goes wrong with your rental car, make sure to ask your insurer whether they cover repairs made on rented vehicles.