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Rental Cars and Your Insurance

Auto Insurance

By Anne Valentino | November 3, 2017

Rental car insurance coverage tends to cause a lot of confusion. Are they eligible for a rental if their vehicle is damaged or written off?  What about when they go to rent a car on vacation? People often wonder if they’re covered or if rental company’s insurance is a scam. Worse they may just assume their own insurance will be adequate decline the rental company’s insurance get into an accident and find out they’re not covered at all!

Rentals can be expensive and daily costs can add up quickly. You may be waiting on a car repair rather than enjoy a vacation with your family. Understanding how your car insurance works with rentals is very important and can help you navigate renting a car more quickly and with less risk.Your brokeris the best resource to talk to about your specific policy but here is a brief overview of the types of coverages you can get put on your policy that involve rental cars.

Loss of Use (SEF20): An SEF20 endorsement covers you in the event of the loss of use of your vehicle . If the vehicle has a claim and is being repaired as a result during the interim this policy would c over the cost of a rental car up to a certain dollar amount . There are limitations which may apply so it is important that you discuss this withyour brokerto find out the details as they pertain to your exact circumstances.

Legal Liability for Damage to Non-Owned Automobiles (SEF27): With this type of endorsement which can generally be added to your policy for a little less than $50 per year you are covered for the car you are driving even if you are not the owner of the vehicle . So for instance if you have a rental car and happen to get into an accident whether it is for personal use or work then the rental car will be covered under your own insurance policy. You therefore do not need to purchase additional rental car insurance for the vehicle.

Again while we may not like to think about accidents or things like vandalism occurring they are an unfortunate reality we face. Understanding the rental car process and also the insurances associated with this process is incredibly important when it comes to saving money and safeguarding yourself! Be sure totalk to your insurance brokerto determine which coverage is best for you.

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