Renting a car is an action most people undertake only while on vacation. As it’s not a frequent activity for many, you could be confronted with several unfamiliar questions when completing the rental agreement, likely online. If your car insurance is with McCluskey Insurance Services LLC in Cincinnati, OH, you can contact someone to get the answers you need.
Frequently asked question: Does my car insurance cover me in a rental car? The best answer is – it depends. Not every car insurance policy will cover your rental car. It primarily relies on the type of coverage you have. If your policy is basic with just liability, then no, your car insurance will not suffice. The rental car company expects you to have comprehensive collision coverage to safeguard your vehicle.
However, if you possess a comprehensive policy encompassing liability, comprehensive, and collision, it should cover you when driving a rental car. If you have concerns, your insurance agent should be capable of providing the required information. If the rental company offers additional property coverage for your luggage and other items in your vehicle, and if you have home, condo, or renters insurance, you can decline this additional offer as you’re already covered.
Checking your credit card for any rental vehicle coverage would be beneficial. Many credit cards provide this service. This implies that your credit card will take responsibility instead of your insurance company paying for any repairs. If you’d rather have your auto insurance stay uninvolved, this is your preferred option.
If you have any questions about car insurance, including coverage for a rental car, contact McCluskey Insurance Services LLC in Cincinnati, OH.
