Does your car insurance policy transfer when you rent a car?

Answer 1

Auto Rentals and Auto Insurance Coverage

Usually your standard lines car insurance policy does transfer when you rent a car.

Limited lines policies generally DO NOT transfer to a rental car.

It is always best to check with your auto insurance agent first, before you rent a car and assume you have coverage and to also find out if you have any applicable deductibles.

An example I can give you is that when we vacationed in Hawaii and rented scooters, our auto owners insurance would not cover us because we were in the state of Hawaii, which had some type of exclusion. So, is best to check with your agent before you rent your transportation.