It happens to almost everyone, you need to drive a rental car. They are going to be asking you a lot of questions either in person or online. More than one of the questions will have to do with insurance. The good news is if you are online you have time to do your research before you make the final decision. At Paragon Independent Insurance Agency Plano, TX, we have more than 50 years of combined experience. The entire team places the needs of our customers first and does everything possible to meet their needs.
There is no one simple answer to the question "Does your auto insurance cover you in a rental vehicle". The only answer is maybe. A lot will depend on who your carrier is and the type of insurance that you have on your vehicle. You have liability insurance on your auto policy and that will cover you even in your rental vehicle. But the other coverage is not so cut and dry. Be sure to read your policy and if you have questions, call your insurance professional and get the low down. What you need to consider if you have comprehensive and collision coverage is the value of your personal car versus the value of the rental vehicle.
The rental company will offer you a variety of coverage options. One of them will be liability coverage. As long as you are comfortable with the amount of liability protection you have on your personal vehicle you can decline that coverage. If you don’t have collision and comprehensive coverage the collision damage waiver that the rental company provides will give you that protection. If you have home or renters insurance you can refuse the personal effects coverage.
Contact Paragon Independent Insurance Agency in Plano, TX when you have questions about your auto coverage.