As with most things insurance-related, the answer as to whether rentals are covered under car insurance is not simple. Yes comprehensive car insurance does usually offer some cover for hire car costs.

Do I need separate insurance for rental car?

No, you do not need insurance to rent a car because rental companies have their own insurance that covers their rental cars. Many major credit cards also offer coverage for rental cars if you pay with your card and decline the collision damage waiver offered by the rental company.

What happens if you put a dent in a rental car?

Minor damage to a rental car, such as scratches, dents, or a chipped windshield are covered by the Damage Waiver. The Damage Waiver is an optional protection product you can purchase with your car rental.

What happens if you don’t have insurance on a rental car?

No, you don’t need to have insurance because rental cars are already insured. That said, some form of rental insurance is strongly advised because if you rent a car without insurance, you are responsible for any damages to the vehicle.

How much does it cost if you dent a rental car?

Small dents in the bumper without paint damage cost about $30, while repairing scratches can be more in the $75 neighborhood. Smoking is forbidden by all the major U.S. rental car companies and results in a $300 cleaning fee.

What does MetLife Auto insurance cover in North Carolina?

MetLife also covers the rental vehicle if you get in an accident while driving one. The rental coverage includes towing, decrease in market value of the rental, claims handling expenses, and rental income lost by the rental company during the vehicle’s repairs. However, this coverage is not permitted in North Carolina.

What happens if you get in an accident with MetLife insurance?

MetLife also covers the rental vehicle if you get in an accident while driving one. The rental car insurance includes towing, decrease in market value of the rental, accident claims handling expenses, and rental income lost by the rental company during the vehicle’s repairs.

Why do I get a discount on MetLife Auto Insurance?

Nothing; the policy forms are identical. However, because your employer/association has arranged to provide you access to this program, we are able to provide discounted rates and special other ‘perks,’ because you are part of a participating group. Some group members are also able to pay premiums automatically with payroll deduction.

Do you have to repair your car with MetLife?

We can provide you with a list of quality repair shops in your area, but you are never obligated to use one of these shops. In states where the law allows, we guarantee your car’s repair at these shops for as long as you own your vehicle as part of MetLife Auto & Home Concierge Auto Repair Experience SM