The car is very old and not entirely reliable anymore, but the person who owns it still wants to take a road trip and visit some friends. Renting a car seems like the best option. Will this person’s own automotive insurance cover any problems that could happen during the trip? It depends on the policy. Some policies for personal Car Insurance in Rancho Cucamonga CA do cover rental vehicles, but many do not.
Essential vs. Recreational Use
Car Insurance in Rancho Cucamonga CA most commonly covers rental if the policyholder’s own vehicle was in a collision and cannot be used for the time being. However, renting a car just for recreational use may not be covered.
Types of Coverage
Another consideration is that the renter of the vehicle must have collision and comprehensive insurance with the personal policy or that type of damage will not be paid for. Many owners of older vehicles only have liability coverage because their car or pickup isn’t worth much anymore.
Additional Rental Fees
If the rental company is exceptionally busy, it may charge extra fees if the vehicle is damaged and will be out of service for a day or more. The customer of this company may be expected to pay rent for each the car cannot be leased to someone else. Automotive insurance probably will not cover these charges.
The Existing Policy
A phone call to the policyholder’s insurance agent will verify whether or not rental is covered by liability, collision or comprehensive. If the policy does not even provide liability coverage, the agent may tell the customer that this restriction is standard with automotive insurance. It’s best not to just accept this remark at face value. Further exploration may show that this is untrue, even if the agent believes it is a fact.
Shopping for Options
Someone who is planning to start renting a car relatively frequently may want to shop for new automotive insurance if his or her current policy is not helpful in this regard. Independent agents with a company like Barranca Insurance Services Inc. can provide information on different options as they do not only represent one particular corporation. You can also connect them on Facebook.
