Does Full Coverage Auto Insurance in Savannah, GA, Cover Rental Cars?

Full coverage auto insurance in Savannah, GA, usually extends to rental cars, which is something many drivers often question. As it applies to the rental vehicle, your current insurance coverage is something you would want to understand while renting a car for holiday, business, or temporary transport. The last thing you want is to be caught off guard if an incident occurs while driving the vehicle.

Knowing Full Coverage Auto Insurance

Full coverage auto insurance generally offers a blanket of protection: it has a liability side and a physical damage side. Usually, full coverage insurance would cover rental cars if the driver is renting a car for personal use, but specifics are always good to inquire. In some policies, coverage is reduced by the kind of car rented or on specific terms and conditions within the said policy.

What Car Liability Insurance Covers in Savannah, GA

Car liability insurance in Savannah, GA, covers the injuries and property damage caused to others in an accident. It will not cover damages to your vehicle. In general, liability insurance is not intended to cover rental cars, as the crucial coverage is provided to whichever other party gets involved in the accident.

Commercial Car Insurance and Rental Cars

If you run a business and use cars for commercial intent, then commercial car insurance covers vehicles to carry out business activities. On the one hand, this coverage differs from personal auto insurance, yet it remains crucial for you to understand its limitations on rental cars.

In many cases, your full coverage auto insurance might not cover rental vehicles used for business. If you are going to use a rental car for business, you need to check if your business insurance covers it, or else you will be required to get a separate vehicle policy.

How to Ensure You're Properly Covered

Please take some proactive steps to make sure you're fully covered during the time you're renting a car.

  • Call your insurance provider: Ask if your current full coverage auto insurance applies to rental cars and the specific terms.

  • Check your credit card travel insurance benefits: Some credit cards provide rental car coverage when used to pay for the rental.

  • Purchase rental car insurance: If unsure about your coverage, rental car companies generally provide insurance.

Get the Right Coverage

The right coverage is the key to enjoying your drive without worries, whether for personal or business use. At Savannah Insurance Advisors, we'll walk you through the options so you can make an informed decision. Please contact us if you're unsure or want help with full coverage auto insurance, car liability insurance, or commercial car insurance in Savannah, GA.
Location: United States

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