How to Tell if My Insurance Covers a Rental Car
Adding a loss damage waiver or collision damage waiver to your rental car agreement can significantly drive up the costs for your rental. Skimping on insurance is not an option. Rental car agencies require insurance to ensure that the vehicle is covered in case of damage from an accident. If you already have an automobile insurance policy, it is likely that your rental car is covered under your own policy. If not, you may have rental insurance through a credit card.
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Instructions
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Look at your automobile insurance policy to see if you have comprehensive and collision coverage. If you do, your rental car is probably covered. Be sure to read all of the policy details to verify coverage.
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Call your insurance agent or agency to inquire about rental car coverage. The number for your agent or agency should be listed on your insurance policy.
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Dial the customer service number that is located on the back of the credit card you are using to secure the rental car. In some cases, rental insurance is included when you pay for the rental car using your credit card.
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