Renting a car in West Hartford, CT can make it easier to get around when you are visiting or passing through the area, but the vehicle must be insured to protect other drivers, you and your passengers. Furthermore, the rental car company may have additional requirements to protect their assets in case you get into an accident. Depending on the situation and your current auto coverage, your may or may not have protection for a rental vehicle.
Look Over Your Policy
Do not assume that your auto policy will automatically cover any rental vehicles that you are using. In some cases, you may not have any coverage for rented cars and it may be necessary to purchase separate rental car insurance to protect the vehicle and comply with state insurance laws.
Read your policy and look for any details regarding vehicles that you do not own. Some insurers may allow you to use your current policy and others may require that you contact the company to inform them before you rent the vehicle to apply your coverage.
Purchasing Separate Coverage
Even if your plan does provide coverage for a vehicle that you do not personally own, it may be necessary to purchase additional rental car insurance to comply with the agreement that you make with the rental car company. Some companies may require that you purchase additional protection in case of an accident or you may want to consider supplementary coverage to protect the vehicle against collisions.
Purchasing auto insurance does not necessarily mean that you are able to apply your coverage to a rental vehicle. Contact us to talk to an agent to learn more about your coverage options when you are planning a trip and will be renting a vehicle.