Does my auto policy cover a rental car?

Usually, yes. In most cases your personal auto insurance extends to a rental car you drive for personal use, but the details matter and there are real gaps to watch for. Your existing liability, collision, and comprehensive coverages generally follow you into a standard rental car within the United States.

The catch is that your coverage transfers exactly as it exists on your own policy. If you do not carry collision coverage on your own car, you likely will not have it on the rental either, which means damage to the rental could come out of your pocket. The rental company’s loss-of-use and diminished-value charges may also not be fully covered.

For example, you fly to Florida, rent a sedan, and someone backs into it in a parking lot. If you carry comprehensive and collision at home, your policy can respond, subject to your deductible. If you dropped those coverages to save money, you may be exposed.

A few important limits. Personal auto policies typically do not cover rentals used for business, rentals outside the U.S. and Canada, or large trucks and moving vans. Your credit card may add secondary rental protection, so check before you buy the counter coverage.

Rules vary by policy, so it is smart to confirm before your next trip. Want a clear answer for your situation? Get a free coverage review and travel with confidence.