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  • Does My Collinsville Illinois Auto Insurance Cover Rentals?

    April 13, 2020 | Blog
  • rental coverage collinsville illinoisUnderstanding your insurance policies is an essential part of making sure you’re always covered. Understanding is especially true when you’re talking about auto insurance since cars are so expensive. If you’re wondering whether your Collinsville, Illinois, auto insurance covers rental vehicles, here’s what you need to know.

    Rental Car Coverage

    auto insurance collinsville ilWhen you’re renting a car, you have the option of purchasing the rental company’s insurance to go along with it. While this coverage isn’t insanely expensive and can protect you from financial burden in the event of an accident, it’s also entirely unnecessary if your auto insurance already covers rental vehicles.

    If you’re in a hurry and you want to make sure you’re protected from financial liability should you get in an accident, you may wish to purchase this coverage. Otherwise, it’s a good idea to ask your insurance provider about whether your policy covers rental cars.

    Your Insurance Policy

    auto rental coverage collinsville illinoisWhile a lot of auto insurance policies cover rental vehicles, there’s no guarantee that your policy is one of them. The only way to make sure you have rental insurance coverage built into your policy is to specifically ask for it when you choose your policy or asking your insurance provider about your policy.

    Something to keep in mind when it comes to applying your regular insurance to rental cars is the fact that you need enough coverage to pay for potential damages. While your liability insurance should cover damages to rental cars, there’s also the possibility that you’ll be left paying some money out of pocket.

    In addition to your auto insurance, you may also get rental car insurance through your credit card provider. You’ll have to ask about this, but rental insurance coverage through your credit card is automatically applied when you book a rental with that card. If you’re not sure about the rental cover you get through your credit card, ask your card provider.

    Stay Protected

    The financial burden of an accident can be a lot, especially if you don’t have insurance to help pay for things. What’s even worse is having to deal with paying for damages to a rental car. The good news is, your insurance policy should cover it, and your credit card may work if your insurance doesn’t. To find out more about insuring rental cars, contact KMK Insurance today.