If you carry comprehensive and liability coverage on your personal car, coverage typically will extend to your rental car within the United States. If you’re renting a car in the U.S. of similar value to your personal car, in all likelihood your auto insurance coverage will be adequate for the rental.

Will insurance cover your car if it breaks down?

Car insurance may help cover the cost of repairs if the issue is the result of a collision or another covered incident, such as theft or fire. But, repairs for routine wear and tear or mechanical breakdowns are typically not covered by an auto insurance policy.

Will my insurance pay for a rental?

In most cases, your existing car insurance will automatically extend accident benefits and third party liability coverage to the rental vehicle. The limits would be the same as those on your own vehicle. Physical damage to the rental vehicle may be covered if you carry it on your own vehicle.

Should I purchase insurance for rental car?

You can typically purchase a collision damage waiver and other levels of liability and personal effects insurance directly at the rental car counter. It’s a good idea to purchase coverage if: You don’t have an Auto or personal property policy with us.

Who is responsible if a rental car breaks down?

Rental agreements state that damage caused by the renter is the responsibility of the renter. If you have damage and collision coverage from the rental company or an independent insurance company like Sure, you’ll be covered. Otherwise, you’ll have to file a claim with your insurance or pay out of pocket.

Can I get a courtesy car if my car breaks down?

The cause If your car is written off or stolen, many standard policies won’t give you a courtesy car as the clause only covers you for repairs. Repairs Most standard policies include the clause that to qualify for a courtesy car, yours needs to be repaired at a garage approved by your insurer.

Should you get rental insurance when renting a car?

For some drivers, rental car insurance is a necessity. In some cases, the coverage you have on your own car extends to a rental car. In other words, buying rental car insurance coverage may duplicate what you already pay for. The extra cost of the rental company’s coverage might make sense in a few cases, however.

What happens if my car breaks down will insurance cover a rental?

If your car breaks down and the damage was caused by a covered loss, your auto insurance may be able to pay for temporary transportation expenses with certain supplemental coverage options, like rental reimbursement coverage. Rental reimbursement coverage will cover the cost of a replacement rental car while yours is being repaired.

Do you have to have rental car coverage on your car insurance?

To have rental car coverage while your vehicle is being repaired from collision losses, such as hitting another car or a fence, building or pole, you would need to purchase collision coverage and add the rental car coverage to your policy.

How does rental reimbursement work with auto insurance?

However, rental reimbursement coverage helps to pay for the cost of a rental car or alternate transportation after a covered claim. For example, if you need a car while yours is being fixed after an accident, this coverage helps with the costs of renting a car or paying for other transportation, such as bus or train fare.

How does Erie auto insurance cover rental cars?

To have rental car coverage while your vehicle is being repaired from collision losses, such as hitting another car or a fence, building or pole, you would need to purchase collision coverage and add the rental car coverage to your policy. At ERIE, this add-on coverage is called Transportation Expenses.