John Bryan a West Virginia Car Accident Attorney recently wrote about the effect of your personal auto policy on a rental car. In short, he reminds everyone that just because you have auto insurance this does not mean your policy will cover you when you rent a vehicle.
Many of the policies out there cover rental cars being driven if their primary vehicle has broken-down or is otherwise being worked-on or out of commission. However, many of those same policies do not cover rental cars being driven if the policyholder’s primary vehicle is operational – for instance if you rent a car while on vacation. This means that if you choose not to purchase the insurance on the rental car and you are involved in an accident, you may be liable to the rental car company for the complete property damage to the rental car. This is because you will be signing a contract with the rental car company agreeing to pay for any property damage that is not covered by insurance.
Before you rent a vehicle make sure you’ve read your auto insurance policy to see whether you have coverage. Believe me, the last thing you want is to be driving around without any car insurance.