Does Auto Owners Insurance Cover Rental Cars

What Is Auto Owners Insurance?

Auto Owners Insurance is a company that provides car insurance for individuals and businesses. It is one of the largest auto insurance companies in the United States, offering coverage in 26 states. Auto Owners Insurance is known for its low rates and its variety of coverage options. It offers coverage for traditional vehicles such as cars, trucks, and SUVs, as well as recreational vehicles such as ATVs, boats, and RVs. Auto Owners Insurance also offers other types of insurance such as homeowners and renters insurance.

Does Auto Owners Insurance Cover Rental Cars?

Yes, Auto Owners Insurance does cover rental cars. However, the coverage is limited to the liability coverage provided by the rental car company. This means that if you are involved in an accident and the other person's vehicle or property is damaged, Auto Owners Insurance will cover the cost of repairs or replacements up to the limits of the rental car company's insurance policy.

What Is the Coverage Limit for Auto Owners Insurance on Rental Cars?

The coverage limit for Auto Owners Insurance on rental cars is the same as the liability coverage provided by the rental car company. This means that coverage may vary depending on the rental car company, so it is important to check with the rental car company before renting a car. Generally speaking, Auto Owners Insurance will provide coverage up to the state minimum liability limits.

What Does Auto Owners Insurance Not Cover on Rental Cars?

Auto Owners Insurance does not cover any damage to the rental car itself, or any personal items that may be inside the car. In addition, Auto Owners Insurance does not provide coverage for any medical expenses resulting from an accident. The rental car company's insurance may provide some coverage for these items, but it is important to check with the rental car company before renting a car.

What If I Do Not Have Auto Owners Insurance?

If you do not have Auto Owners Insurance, you may still be able to rent a car. Most rental car companies offer a variety of insurance options that can be purchased at the time of rental. These insurance options may provide coverage for both the rental car and other drivers involved in an accident. It is important to check with the rental car company to determine which insurance options are available and which ones are best for you.

Conclusion

Auto Owners Insurance does cover rental cars, however, the coverage is limited to the liability coverage provided by the rental car company. It is important to check with the rental car company to determine the coverage limits and any other insurance options that may be available. If you do not have Auto Owners Insurance, you may still be able to rent a car and purchase additional coverage from the rental car company.