Does Farmers Insurance Cover Rental Cars
Does Farmers Insurance Cover Rental Cars?
Do you plan to rent a car for your next vacation? Then you may be wondering if Farmers Insurance covers rental cars. The answer is yes, Farmers Insurance will cover a rental car if you have an existing policy in place. However, the coverage you receive may vary depending on the type of policy you have.
What Does Farmers Insurance Cover?
Farmers Insurance provides coverage for rental cars in the form of liability and physical damage coverage. Liability coverage will protect you in the event that you are at fault for an accident that causes injury or property damage to another person. Physical damage coverage will protect you if the rental car is damaged due to an accident, theft, or other covered events. In addition, some policies may also provide coverage for medical expenses, towing, and rental reimbursement.
What Are The Coverage Limits?
The coverage limits for Farmers Insurance rental car coverage will vary depending on your policy. Generally, the coverage you receive will be the same as the coverage you have for your personal vehicle. This means that if you have liability coverage of $25,000/$50,000, you will receive the same amount of coverage for your rental car. However, some policies may provide additional coverage, so it's important to check with your agent to determine the exact coverage you have.
Do I Have To Pay A Deductible?
Yes, if you need to file a claim for a rental car, you will be responsible for paying a deductible. The amount of the deductible will depend on the type of policy you have, but it may range from $250 to $1,000. It’s important to remember that you will need to pay the deductible out of pocket before the insurance company will pay for the remaining damage.
What Should I Do Before I Rent A Car?
Before you rent a car, it's important to contact your Farmers Insurance agent to make sure you have the necessary coverage in place. Your agent can provide you with the details of your policy and let you know if there are any additional coverages or limits you need to be aware of. Additionally, you should also make sure to read the rental car company’s terms and conditions before you sign a rental agreement so that you understand what is and isn’t covered.
Conclusion
Farmers Insurance will cover rental cars if you have an existing policy in place. However, the coverage you receive may vary depending on the type of policy you have. It’s important to contact your agent to make sure you have the necessary coverage and to read the rental car company’s terms and conditions before signing a rental agreement. With the right coverage in place, you can have peace of mind knowing that you are protected in the event of an accident.
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