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.

  • A high deductible. If you have a high deductible on your auto insurance, the rental car insurance may have a much better deal in the event of an accident. You could end up paying less or nothing out of pocket by adding on the extra insurance.
  • Avoiding a claim. If you want to avoid the potential of a rate increase on your auto insurance, then having the rental insurance policy allows you to file the claim with that policy instead.
  • A lack of coverage on auto. If your auto policy lacks enough coverage to give you peace of mind while driving the rental car, then that extra rental insurance will fill the “gaps” your auto insurance allows.

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.