Your Liberty Mutual car insurance should cover your rental as long as the vehicle is worth similar to what it already has. However, if you own a 230,000-mile Chevy Spark and rent an exclusive SUV, you may not have enough insurance. Compare quotes from top companies and save Reviewed by Rachael Brennan Licensed insurance agent Do you plan to travel anywhere outside the U.S. UU?.
And do you want to rent a car while you're there? If so, you're probably wondering, “Does car insurance cover international rentals? And if your insurer doesn't cover international rentals, at least you should know what you need to get seamless coverage while traveling abroad. Read on to see the options available for temporary international auto insurance. Then, enter your zip code into our free online tool to compare rates and find a car insurance plan that works for you. The most likely answer is no.
Car insurance coverage generally doesn't protect drivers outside of the United States or Canada (more on this below). If you're planning to rent a car while traveling abroad, consider taking out rental car insurance with a provider in the destination country. However, keep in mind that the law may require you to purchase liability insurance for cars from a company based in the country you are visiting before you can rent a vehicle. Car insurance will cover rents in Canada, but it won't cover rents in Mexico because of each country's insurance laws.
Regardless of your insurance policy, if you're traveling south of the border, you'll need to purchase liability insurance. This is because Mexico requires that all drivers have liability coverage from a Mexican insurance company. Enter your zip code below to compare auto insurance rates. There are a few options for insuring your rental car when traveling internationally.
Keep in mind that you may need to have two or more of the coverage options listed below to be properly protected. It's worth noting that loss damage exemptions are sometimes referred to as collision damage exemptions (CDW). In some locations, CDWs and LDWs are purchased separately. The first covers collisions and the second covers theft.
It's also important to know that the rental coverage in your policy has nothing to do with the coverage of a rental car. It is better known as rental reimbursement and serves to pay for the rental of a car while yours is being repaired due to a claim. You should compare car insurance before you go on a trip, as you could save a lot of money. At least, knowing the insurance options at your destination will make it easier for you to decide what you need to buy in your car rental.
It can be especially useful to plan ahead if you are going to rent a car in Europe. This is because you'll want to make sure that any car coverage you buy in Europe is valid in every country you plan to visit. Before you re-plan your next vacation, try our free online quote tool to compare rates and find an affordable quote for your international car insurance. Before taking out insurance from the rental company, you should consider what coverages you already have through your personal car insurance.
People who already have auto insurance for their personal vehicle are typically covered up to the normal limits of their policy when driving a rental car in the United States. Even when you have a good level of coverage, it's sometimes better to buy additional rental car insurance. Bonzah is the best third-party provider of rental car insurance because it is the only option that offers supplemental liability insurance. 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.
However, California is a key exception, as state laws allow businesses to rent cars without offering any insurance. In general, rental reimbursement coverage is worthwhile if you think you're likely to have a car accident and need a rental car for years to come. Some credit cards also offer rental car insurance, although they typically only cover damage to the rental car itself, rather than liability for bodily injury or property damage. Liberty Mutual rental reimbursement pays the cost of renting a car after the policyholder's vehicle has been damaged by a covered cause, such as an accident.
If you plan to use your standard insurance policy or your credit card as rental car insurance, be sure to read the fine print or call your insurance company to make sure you're covered. If you had an accident in a rental car, you would pay the deductible on your car insurance policy before the rental car insurance takes effect and covers the rest. Keep in mind that not all states require car rental companies to automatically provide mandatory minimum insurance coverage. 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 to be able to drive legally.
Finally, taking out insurance at the car rental counter is the most expensive option, but it adds convenience and peace of mind. .