Summer Travel Tip: Does Your Auto Insurance Cover Rental Cars?

Planning a summer getaway? Before you hit the road in a rental car, make sure you understand your insurance coverage. Many personal auto insurance policies may extend coverage to rental vehicles, but protection can vary based on your policy, destination, and rental type.
Here’s what to know before traveling:
🚗 Rental Car Coverage May Include:
• Collision & comprehensive protection
• Liability coverage
• Medical payments coverage
• Theft protection
💳 Credit Card Benefits
Some credit cards offer rental car coverage or even roadside assistance, if you use the card to book the vehicle. However, many only provide secondary coverage and may have exclusions.
🌎 Traveling Internationally?
Your auto insurance may not apply outside the U.S. Countries like Mexico often require separate insurance policies.
⚠️ Common Mistakes to Avoid
• Assuming you’re fully covered
• Declining physical damage coverage without checking your policy
• Renting luxury or specialty vehicles not covered by insurance
• Renting a car through a peer to peer company like Turo, without checking your policy
• Forgetting to document existing vehicle damage
Before your summer road trip, review your policy and understand your deductible, liability limits, and rental car protection options.
At Blue Sky Insurance, we help drivers stay protected wherever summer takes them. Contact us today for a quick policy review and travel coverage check! 🚘☀️
Written by:
Amy Miller
Blue Sky Insurance/Agency Owner