Most personal auto insurance policies cover rental cars when used for personal purposes within the U.S. and Canada. Your coverage typically extends the same protections you have on your own vehicle to the rental car.

Your personal auto insurance coverage includes:

• Comprehensive and collision coverage for damage to the rental car
• Liability coverage for injuries or property damage to others
• Your regular deductible applies to any claims
• Coverage limits match your personal policy

When you might need additional rental car insurance:

• Renting overseas where your personal policy doesn't apply
• No personal auto insurance or insufficient coverage
• Renting a luxury vehicle not covered by your policy
• Wanting to avoid potential premium increases from claims

Credit card rental coverage:

• Many cards provide secondary coverage
• Must use the card to pay for the rental
• Decline rental company's insurance for coverage to apply
• Call card issuer to verify specific benefits

Alternative insurance options:

• Standalone rental policies from third-party providers
• Loss damage waiver (LDW) from rental company
• Supplemental liability protection
• Personal accident insurance
• Personal effects coverage

Important considerations:

• Personal auto insurance may not cover business rentals
• State minimum coverage limits are often insufficient
• Check if your policy covers "loss of use" charges
• Verify coverage details before declining rental company insurance
• International rentals usually require separate coverage

Key takeaway: Most drivers with comprehensive personal auto insurance can skip rental car insurance when renting domestically. However, consider additional coverage when traveling internationally or if your personal policy has limitations.

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