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Does auto insurance cover a rental car?

Auto insurance adds a lot of protection to your vehicle. But does that protection extend to a rental vehicle?  As more and more people decide the time is right to head out for a vacation, that question comes up quite frequently. At Oak Ridge Insurance Services in Oak Ridge, NC, we are independent insurance agents and that means we work for you, not the insurance companies. We can offer you more choices and customize your policy to your particular needs. 

Whether or not your auto insurance covers a rental vehicle depends on the type of insurance that you have on your own vehicle. If you have basic coverage, which is strictly liability coverage, it is going to partially cover you but not completely. The reality is, if you are comfortable with the amount of liability coverage that you have on your vehicle, then you won’t need liability coverage on a rental vehicle. 

More importantly, is whether or not your auto insurance will cover the vehicle you are renting. You need to have collision and comprehensive coverage to be fully protected and the car rental company will need to see proof that you have that coverage. You can opt to accept the collision damage waiver which is offered by the rental car company. This takes away the stress and worry of whether you will need to pay for any small or major repair that could result from even a minor fender bender. 

You can also check with your credit card company to see if you have car rental coverage. This is an option that you may not have even considered. Generally speaking, if you have full coverage on your personal auto insurance policy, it will cover a rental car. 

Contact Oak Ridge Insurance Services in Oak Ridge, NC when you want to discuss your auto insurance needs. 

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