Does auto insurance cover a rental car?

As more and more people head off on their long-delayed vacations, the subject of rental cars comes up more and more. When you sign on to a rental car company online, which is how everyone books these days, you will be asked a lot of questions and many of them will be about insurance. At Higgins & Halloran in Columbia, SC, we are family-owned independent insurance agents who can offer their customers more choices when it comes to insurance coverage. 

In South Carolina, drivers are required to have liability coverage. This is also required when you rent a vehicle. If you are comfortable with the amount of liability insurance coverage that you have on your vehicle, then it should be adequate for a rental vehicle. More than that, however, you need to have insurance to cover damage you may do to the vehicle that you are renting. 

If you have a car loan or are leasing a vehicle, then you have collision and comprehensive coverage. It is required by the lessor or lender. If your vehicle is relatively new, you should have enough coverage to satisfy the rental company. If you are in doubt, give your insurance agent a call and ask if you have enough coverage. 

The rental car company will offer you other types of insurance which you also don’t need, just refuse everything. But if you don’t have full coverage on your vehicle or if you can afford it and just don’t want any accidents to end up on your auto insurance and potentially cause a rise in your premium, you can opt to take the collision damage waiver which the rental car company will offer you. It does offer a lot of peace of mind. 

Contact Higgins & Halloran in Columbia, SC with any questions you have about your auto insurance coverage. 

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As more and more people head off on their long-delayed vacations, the subject of rental cars comes up more and more. When you sign on to a rental car company online, which is how everyone books these days, you will be asked a lot of questions and many of them will be about insurance. At Higgins & Halloran in Columbia, SC, we are family-owned independent insurance agents who can offer their customers more choices when it comes to insurance coverage. 

In South Carolina, drivers are required to have liability coverage. This is also required when you rent a vehicle. If you are comfortable with the amount of liability insurance coverage that you have on your vehicle, then it should be adequate for a rental vehicle. More than that, however, you need to have insurance to cover damage you may do to the vehicle that you are renting. 

If you have a car loan or are leasing a vehicle, then you have collision and comprehensive coverage. It is required by the lessor or lender. If your vehicle is relatively new, you should have enough coverage to satisfy the rental company. If you are in doubt, give your insurance agent a call and ask if you have enough coverage. 

The rental car company will offer you other types of insurance which you also don’t need, just refuse everything. But if you don’t have full coverage on your vehicle or if you can afford it and just don’t want any accidents to end up on your auto insurance and potentially cause a rise in your premium, you can opt to take the collision damage waiver which the rental car company will offer you. It does offer a lot of peace of mind. 

Contact Higgins & Halloran in Columbia, SC with any questions you have about your auto insurance coverage.