You’ve been planning your vacation for months, and you’ve booked your flight, hotel, and rental car. When you arrive at the rental counter, you are going to be presented with lots of paperwork to sign and asked if you want to take their insurance. It isn’t just one insurance either. It is layers of insurance. You may feel some pressure to make sure that you have insurance coverage. This coverage can run from $10 to more than $30 a day and can add up. At Texas Independent Insurance in Allen, TX, they have a team of insurance experts who have years of experience meeting customer’s needs. 

The simple answer to the question of does my auto insurance cover a rental car is maybe. It depends on your insurance company and the policy you have. If you have a fundamental policy with only liability coverage, you will be covered for any damage you cause to other people or property up to the limit of your policy. To protect the rental car itself, you must have a policy that includes collision and comprehensive. The best thing to do is familiarize yourself with your auto insurance policy limits and if you aren’t sure, talk to your insurance professional. 

Your auto insurance policy isn’t the only thing you should check. You should call the credit card company you will use for the rental car. Many cards offer rental car coverage. This can be the primary coverage, or it may just supplement what you have. Depending on your comfort level and ability to pay the additional insurance, you may want to purchase it from the rental car company to keep your own insurance from getting involved.

At Texas Independent Insurance in Allen, TX, you can get your auto insurance questions answered. If you are in the market for a new carrier, as independent agents, they offer some of the top carriers in the business. Please stop by the office or give them a call to make an appointment.