When it comes to renting cars, it can be hard to know how your auto insurance plays into the situation.

Typically, when you go to rent a car, the rental agency will offer their own insurance policy for you to purchase. Before accepting, you should know the coverage your own auto policy allows. In many cases, a driver is not aware of how far their policy extends and whether or not a rental car is included. Review your policy online or call a representative to understand the extent of possible rental coverage; when checking, you should also mention or look up the fine print on whether it covers the rental being used for personal, commercial, or business use. The intent of why you’re renting the car can change whether or not your auto insurance applies.

Even if your auto insurance does allow rental car coverage, there are some ways that an overlap of your auto insurance with a rental car insurance can be beneficial.

If you do get into a collision while driving a rental car, the auto body shop you choose should be able to help you make the claim. Crossroads Collision Center is located in Lake Elmo and serves the Eastern Twin Cities metro for all of their auto body repair needs. Our professional estimators will guide your through the process, and we can also help with organizing insurance claims whether it’s for your personal or rental car.