Myth 2: Your Insurance Automatically Covers a Rental Car in Every Situation
Many drivers assume their personal auto policy fully extends to any rental car they drive, anywhere, without exception. In reality, coverage for rental cars depends heavily on your specific policy, the state you are in, and sometimes even the country you are renting in in the case of international travel. Some policies extend full coverage, others only extend liability, and some exclude rentals in certain situations entirely. Always confirm your specific rental coverage with your insurer before assuming you are protected.
The reality: Before your next trip, call your insurer and ask them to confirm in plain language exactly what your policy covers for rental vehicles, including any differences between domestic and international rentals, so you are not caught off guard at the rental counter.