Does auto insurance cover rental insurance with Progressive?

Does auto insurance cover rental insurance with Progressive?

Yes, auto insurance with Progressive can cover rental vehicles, but it typically depends on the type of coverage you have and the circumstances of the rental.

When renting a car, you may be wondering if your existing auto insurance policy with Progressive will cover the rental insurance as well. Understanding the details of your coverage can help you make informed decisions when renting a car and protect yourself in case of an accident.

If you have comprehensive and collision coverage on your personal auto insurance policy with Progressive, it is likely that these coverages will extend to a rental vehicle as well. These coverages help pay for damages to your rental car if you are involved in an accident, hit a stationary object, or if your rental car is stolen.

However, liability coverage, which pays for damages to other vehicles or property in an accident that you are at fault for, may not always extend to a rental vehicle. It’s important to review your policy or contact a Progressive representative to confirm what is covered when renting a car.

In addition, if you choose to purchase additional rental car insurance coverage from the rental car company, your personal auto insurance with Progressive may provide a “backup” coverage in case the rental car insurance limits are exceeded.

Related FAQs:

1. Does Progressive cover rental cars for business use?

Progressive typically covers rental cars for personal use, but coverage for business use may vary. It’s best to review your policy or contact Progressive to confirm coverage for business rentals.

2. What types of rental vehicles does Progressive cover?

Progressive primarily covers standard rental vehicles like cars, trucks, and SUVs. Specialty vehicles like luxury cars, exotic cars, or recreational vehicles may not be covered under a standard auto insurance policy.

3. Does Progressive offer rental reimbursement coverage?

Yes, Progressive offers rental reimbursement coverage as an optional add-on to your auto insurance policy. This coverage helps pay for a rental car while your insured vehicle is being repaired after a covered accident.

4. Will Progressive cover a rental car in another country?

Progressive typically only covers rental vehicles within the United States and its territories. Coverage for rental cars in other countries may not be provided under a standard auto insurance policy.

5. Can I rent a car with Progressive insurance if I am traveling internationally?

If you are traveling internationally, it’s important to contact Progressive in advance to confirm coverage for rental vehicles in the country you will be visiting. Additional insurance may be required for international rentals.

6. Does Progressive coverage for rental cars extend to other drivers?

Coverage for rental vehicles under a Progressive auto insurance policy may extend to other drivers, but it’s important to review your policy or contact Progressive to confirm the details of coverage for additional drivers.

7. Does Progressive rental car coverage include roadside assistance?

Progressive offers optional roadside assistance coverage that can be added to your auto insurance policy. This coverage may include services like towing, lock-out assistance, fuel delivery, and more for rental vehicles.

8. What happens if I decline rental car insurance and rely solely on Progressive coverage?

If you decline rental car insurance and rely solely on your Progressive coverage, you may be responsible for any damages to the rental vehicle that are not covered under your policy. It’s important to understand your coverage limits before renting a car.

9. Can I add temporary coverage for a rental car to my existing Progressive policy?

If you need coverage for a rental car for a short period of time, you may be able to add temporary coverage to your existing Progressive policy. Contact Progressive or your agent to discuss your options.

10. Does Progressive offer coverage for loss of personal belongings in a rental car?

Progressive’s auto insurance policy may not cover loss of personal belongings in a rental car. It’s recommended to check with your renters or travel insurance for coverage options for personal belongings.

11. What should I do if I have an accident in a rental car covered by Progressive?

If you are involved in an accident in a rental car covered by Progressive, follow the same steps you would in an accident with your personal vehicle. Contact Progressive to file a claim and provide details of the accident.

12. Can I transfer my existing Progressive coverage to a rental car?

Progressive coverage for personal auto insurance can typically be transferred to a rental car, but it’s important to review your policy or contact Progressive to ensure coverage for the rental vehicle before driving it.

Your friends have asked us these questions - Check out the answers!