Does My Georgia Car Insurance Covers Rentals?

As you stand at the counter in the process of renting a car, you will generally be asked if you want to buy additional insurance coverage for the car rental. You might be agreeable because you think you have no alternative and you can’t refuse or maybe you know that you have coverage for rental cars on your car insurance. You need to be sure long before you leave home to make sure exactly what your auto insurance company is covering. You may make a wrong choice and not be aware and miss a chance on some savings, worse yet you may not be properly covered. So be prudent and do diligence, go over your Georgia car insurance policy.

Usually, there are two instances wherein you have car insurance coverage for car rentals. First is through your own car insurance coverage as some insurers have wider coverage, including car rentals. For that reason, you may directly ask your car insurance agent about the coverage of your policy. However, be aware that any coverage gaps included in your car insurance policy would carry on to the car rental as well. In case you are on a business trip, your employer should be responsible for paying the car insurance for the rental.

Then your credit card provider may also provide coverage for vehicle rental charged to their credit cards. As car insurance coverage differs by credit card provider, the terms and conditions of the policy might alter once in a while. But car insurance coverage normally extends only to bodily damages to the vehicle and it does not provide coverage for injuries to people, theft or personal belongings and liability.

If in any case your credit card provider and your car insurance do not cover rental cars, you can always purchase rental car insurance directly from the rental car insurance company.