Does your car policy protect you in a rental car?

I get this question several times a year.  Usually the person is getting ready to go out of town and they are trying to figure out can they skip the insurance coverage offered by the rental car companies.

In most cases, the answer is yes, your car insurance policy will extend to cover you in a rental car.

  • If you’re traveling anywhere in the US, take a photo copy of your current insurance card on your next trip.  Unless your policy automatically excludes your coverage, then you’re ok.  Not sure, call me.
  • If you’re traveling to Canada or one of the American provinces such as Puerto Rico, you’re already covered if you’re with one of the majors
  • Trips to other countries such as Brazil, Argentina, Japan, Australia, Europe, etc, you’re probably not covered and should get the local coverage

When Sheri had her accident, our carrier did an excellent job working with the rental car company to make sure everything was paid that needed to be paid.  One thing that surprised me was the rental car company did seek payment from us to cover the loss of rental income when the car was in the shop.  The carrier negotiated this out on our behalf and kept it popping up in a future date.  We were very grateful.

Still not sure what to do?  Call me and let’s review what you have.

Do you know someone in Dallas who is deaf or hearing impaired?  If so, visit our blog on Thursday where we’ll talk about a free program that could save a life.

Evie Wise
Evie Wise


Evie Wise
Evie Wise

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