Hi. I’m Shannon with Anderson & Associates and I’m going to talk to you today about when you rent a car.
We get phone calls sometimes where people are going on vacation and they’re going to rent a car. They want to know if their automobile insurance will extend to that rental car while they’re using it or if they need to take the rental car company’s insurance coverage.
Yes, your auto insurance will extend to a rental car but only to the limits of your policy. So it’s very important to make sure that you have physical damage and higher limits to cover that exposure.
We recommend that you go ahead and take the rental car coverage because not only if you’re in an accident that keeps it off your insurance, but it also covers the physical damage of that vehicle up to the rental car company’s coverage, which is usually like a coverage. So it’s a little bit more broad and it just definitely keeps the exposure off of your policy, which if you’re in an accident with a rental car, that still counts as an accident on your policy.
So it’s a good idea to go ahead and keep the rental car’s coverage that is offered. I believe it’s like $20 a day but it’s definitely going to give you broader protection.
If you decide not to, one thing you need to be wary of if you’re going to go ahead and use your auto policy and not accept their coverage is while your liability limits will extend to that rental car in your coverage, what’s not covered is if you’re in an accident and they have to have it put in a shop, they can actually charge you for the days that it’s in the shop and that would be an expense to you.
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Anderson & Associates has been serving Manatee County residents with property insurance coverage since 1985. We offer homeowners (including mobile homes), car insurance, life, health, umbrella insurance policies. We’re a family-owned and operated insurance agency, and we treat you like family.
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Anderson & Associates Insurance Agency
810 8th Avenue West
Palmetto, Florida 34221
Phone: (941) 729-7494
