Taking a long-anticipated vacation means making reservations among them is probably a rental car. Most people book online these days, and when you start the process, you will be asked the location of the pickup and drop-off dates and the type of vehicle. Once you make these choices, the insurance questions will begin. At IAL Insurance in Indianapolis, IN, we are independent insurance agents who work to make sure that our customers have the right insurance to protect them.

Does auto insurance cover a rental vehicle?

You may be confused about what insurance you need to purchase to protect yourself on your vacation. You may not need to purchase any, however, a lot depends on what coverage you have on your personal auto insurance. You will only have the level of courage that you have so if you have basic insurance, you do need to purchase insurance to cover the vehicle itself.

If you have complete coverage on your vehicle including total glass coverage, you should be alright with using your own insurance. It is always a good idea to call your insurance agent to verify the level of coverage you have if you are unsure. If you are happy with the level of liability coverage that you have on your own policy, you don’t need to pay for excess liability insurance.

Another kind of insurance that will be offered is for your personal property while it is in the vehicle. If you have a home, condo, or renters insurance, you don’t need this coverage either. It is included with your content coverage on those policies. If however, you are going to be renting a vehicle in another country, you need to buy all the insurance that is offered.