Does Elephant Insurance Cover Rental Cars?

Rental cars are an incredibly convenient way to get around, allowing you to explore new places or take a break from your daily routine. But, you may be wondering if Elephant Insurance will cover your rental car in the event of an accident or other emergency. The short answer is: it depends.

What Kinds of Policies Does Elephant Insurance Offer?

Elephant Insurance offers a variety of auto insurance policies, so it’s important to understand which policy type you have before you can answer the question of whether or not Elephant Insurance will cover your rental car. In general, Elephant Insurance offers two types of auto insurance policies: comprehensive and liability.

Comprehensive Coverage

Comprehensive coverage from Elephant Insurance provides protection from physical damage to your car, or to a rental car, due to causes other than accidents, such as theft or vandalism. Comprehensive coverage also covers collision damage, regardless of fault, up to the limits of your policy. So, if you have a comprehensive auto policy with Elephant Insurance, then you are likely covered for damages to a rental car, up to the limits of your policy.

Liability Coverage

Liability coverage from Elephant Insurance provides protection if you are found to be legally responsible for an accident, up to the limits of your policy. This type of coverage does not cover physical damage to your vehicle or a rental car, but it does provide some financial protection if you are found liable for an accident. So, if you have a liability auto policy with Elephant Insurance, then you are likely covered for damages to a rental car, up to the limits of your policy.

What Else Should I Know?

It’s important to remember that Elephant Insurance does not cover physical damage to a rental car for any reason other than those specifically listed in your policy. This means that if you are found to be at fault for an accident, Elephant Insurance will not cover the rental car damages. Additionally, Elephant Insurance does not cover any damage caused by reckless driving, such as driving while intoxicated or driving while distracted.

Finally, you should know that if you are renting a car, you may be required to purchase additional coverage from the rental car company. This is known as “loss damage waiver” or “collision damage waiver” coverage, and it is designed to protect you in the event of an accident or other issue. Be sure to ask your rental car company about this coverage before you rent a car, as it may be required for you to be fully covered.

In Summary

In summary, Elephant Insurance may cover your rental car in the event of an accident or other emergency, depending on the type of policy you have. Comprehensive coverage will cover physical damage to your car or a rental car, while liability coverage will provide some financial protection if you are found legally responsible for an accident. Additionally, you may be required to purchase additional coverage from the rental car company to be fully covered.