Temporary coverage, 5 days ago Your personal auto insurance will cover most rental vehicles with the same coverage limits and deductibles. For example, if your car policy includes comprehensive and collision coverage, you'll be protected against physical damage to the rental vehicle. Your liability coverage will also apply when you get behind the wheel of your rental vehicle. Yes, Progressive offers car rental insurance.
If you already have a personal auto policy with Progressive that includes liability, comprehensive and collision coverage, this insurance will likely be extended to cover your rental car. If you only have liability insurance with Progressive, physical damage to the rental vehicle will not be covered. If you rent cars frequently, it might be more efficient to purchase liability insurance for rental vehicles from another source. Once fault has been determined, the at-fault driver's insurance company must reimburse you or your insurance company.
Some insurers have relationships with car rental companies that facilitate the reimbursement process, while others may require you to submit receipts separately for reimbursement. Your personal car insurance will cover most rental cars with the same coverage limits and deductibles. In most cases, rental car insurance overlaps with your personal car insurance policy and you won't have to pay for duplicate coverage. Car rental companies generally only offer minimum liability coverage, so if you don't have personal insurance, you'll probably want to purchase additional rental car insurance through the rental company.
Without the reimbursement coverage of a rental car, you may be responsible for the cost of a rental car if your car cannot be driven after an accident. If you don't have either type of coverage, you can take out personal accident insurance through the car rental company. If the damages are severe enough to justify the need to rent a car, you're likely to file a car insurance claim under your car collision insurance coverage or also under comprehensive car insurance coverage, which includes a deductible. If you don't have enough coverage through Progressive to cover your rental car, you can take out insurance with your car rental company or see if it's offered by your credit card company.
Progressive also offers rental vehicle reimbursement coverage, which helps pay the cost of a rental car while your personal vehicle is being repaired for a covered claim. There may be situations where it's worth adding rental car insurance, so it's important to review your personal car coverages. In California, for example, you must have a personal car insurance policy with liability coverage or purchase additional liability coverage from the car rental company in order to drive legally. Liability insurance for rental vehicles is coverage that pays for injuries or property damage that you cause in an accident when you drive a rental car.
However, the minimum liability insurance offered by the car rental company isn't enough to protect you in the event of an accident. With authorization, other insurers may allow you to bill the rental car directly to them, but it's less common.