Yes, although there are some exceptions, your car insurance policy will also cover you while driving rental vehicles in the state of Texas. This includes liability coverage, collision coverage, full risk coverage and, by default, full coverage, since full coverage is simply a combination of all three. Some car rental companies will offer you insurance when you rent a car while on vacation. Should you buy it? Here's what you need to know before you pay for your coverage.
Car insurance for people who don't own cars is a liability policy for people who don't own a car but need car insurance. Your personal auto insurance generally covers rental cars with the same coverage limits and deductibles as your policy. However, your personal car insurance only extends coverage to rental cars for personal use, such as driving a rental car while on vacation. You may be able to find cheaper policies than what you would find at the car rental company, so it's a good idea to compare quotes before arriving at the car rental counter.
You may already have adequate coverage for personal items stolen from a rental car through your home, condo, or renters insurance policy. Some insurance companies sell rental car insurance as a standalone policy that you can purchase before your trip. However, reviewing rental car coverage ahead of time, knowing what to expect, and understanding your own personal auto insurance policy can help you make an easier decision. Collision and comprehensive insurance covers the repair or replacement of the rented car after problems such as car accidents, thefts, fires, floods, collisions with animals, falling objects, adverse weather conditions and acts of vandalism.
If you're not sure if you have collision coverage or not, call your auto insurance company in Houston to check. The liability that your Houston auto insurance company has over your vehicle covers property damage and medical care to the person involved in a collision with you if the collision is your fault. Keep in mind that comprehensive coverage is elective, meaning there's no state requirement for car owners to add it to their insurance policies. Your car insurance deductible will apply if you need to file a car insurance claim for a rental car under your collision or comprehensive coverage.
It also might not be worth it if there's an overlap between what's offered over the counter and your current coverage under other insurance policies, such as your health insurance and home insurance.