Visiting a different city or state for a vacation or business trip may require a rental vehicle. The problem you may worry about is the insurance coverage for that car. Fortunately, you may be covered for auto rental under your Dallas / Fort Worth, Texas insurance policy.
Look at the Current Policy
Although some insurers will cover a rental vehicle, the amount of coverage and the options available to protect the vehicle and other drivers may vary. Renting a car does not necessarily mean that you have coverage under your current plan.
Look through your current policy to determine if you are covered. Each insurance provider will have a different policy regarding your ability to apply your current coverage to a rental vehicle. Never assume that you are covered.
Be Aware of Exceptions
When you are looking at your auto insurance plan, pay attention to the exceptions. You may be able to rent a vehicle and cover it under your current plan, but there may be exceptions about the location or the type of rental company that you may use. For example, you may be able to cover a rental vehicle in The Woodlands / Austin area, but might have an exception that prevents you from the same amount of coverage in the Amarillo / Waco area.
The clauses and exceptions help define your policy and tell you what is not allowed. Read through your exceptions and clauses to ensure that your coverage plan will protect a rental vehicle.
Renting a car while you are on vacation or a business trip does not necessarily mean that you need to purchase additional insurance. To learn more about rental coverage options, call us to speak to an independent agent today.