When
you rent a car, you are liable for injuries and property damage you
cause to others, and damage to the rental car whether it’s your fault or
not. With some restrictions, your insurance policy will cover you in
your policy territory (United States, its possessions and territories,
and Canada) if you injure someone or their property. In most cases, your
auto policy will also cover damage to the rental car, but you must
carry comprehensive and collision coverage on at least one of your
covered autos.
If you plan on your credit card covering damage to your rental car, read
the fine print. Some only provide coverage after you prove there is no
coverage under your personal policy. Some cards actually have dollar
limitations and very restrictive coverage.
