Summer is a great time for road trips, beach getaways, or international adventures. Renting a car offers the freedom to travel at your own pace. But before you drive off, it’s smart to know what to expect—especially when it comes to vehicle choice, insurance coverage, and traveling abroad.
Your Auto Insurance May Cover Your Rental in the U.S.
If you already have car insurance, your policy will usually extend to rental vehicles—as long as you’re renting for personal use and staying within the United States.
Here’s how it works:
If you carry liability-only coverage, your rental car will only be insured for liability.
If you have full coverage (liability, collision, and comprehensive), your rental car will also be protected for damage and theft—just like your personal car.
Deductibles and policy limits still apply, and coverage doesn’t include things like rental agency fees or loss-of-use charges unless specified.
Before you skip the rental agency’s insurance, it’s wise to double-check your policy details.
1. Choose the Right Rental Car for Your Trip
Think about the type of trip you’re planning. A family road trip, solo travel, or outdoor adventure may call for different vehicles.
Ask yourself:
How many passengers and how much luggage will I have?
Will I be driving through cities, mountains, or off-road?
Do I need features like GPS, Bluetooth, or child car seats?
Check out popular rental companies with large vehicle selections:
2. Understand Your Rental Insurance Options
If your auto insurance doesn’t offer full protection or if you’re unsure, rental companies offer coverage options to fill the gaps:
Collision Damage Waiver (CDW/LDW) – Covers theft or damage to the rental vehicle.
Liability Coverage – Pays for injuries or property damage if you cause an accident.
Personal Accident Insurance – Helps with medical bills for you and your passengers.
Personal Effects Coverage – Covers belongings left in the vehicle.
Be sure to read the fine print and avoid duplicate coverage.
3. Renting a Car Outside the U.S.? Read This First
If you’re traveling internationally—especially to Europe, Mexico, or Canada—you’ll need separate insurance. U.S. auto policies typically won’t apply overseas.
Here’s what to do:
Purchase liability and damage waivers from the rental company
Verify coverage options before traveling
Contact your insurer to ask what is and isn’t covered abroad
Drive Stress-Free This Summer
Whether you’re renting a car across town or across the globe, knowing your insurance options makes all the difference.
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