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State Farm is here to help! Do You Need Rental Car Insurance? Chances are, if you already have State Farm car insurance with collision and comprehensive coverage, it’ll carry over to your rental car. But what’s covered and how much depends on your specific policy and several other factors.

With State Farm, you鈥檙e covered for rental cars in the US and Canada. If you鈥檙e traveling outside these two countries, you鈥檒l need to purchase supplemental insurance. ( Mexican rentals require extra insurance anyway .)

This means property damage and bodily injury you cause another party may be covered by your car insurance鈥ust not damage you cause to the U-Haul truck you鈥檝e rented. Contact your insurance agent or insurer to determine the extent of your car insurance coverage or to determine what type of insurance coverage you need for moving.

You will likely be covered for damages and injuries caused to others and their property, but not to yourself or the truck you rented. Your car insurance and credit card company are not likely to offer insurance for rental trucks, since you are considered more risky when driving a large vehicle that you don鈥檛 have a lot of experience with.

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State Farm rentalreimbursement(or rental carcoverage) can help coverthe cost of a rentalwhile your vehicle is not drivable or repairs are underway. State Farm will pay the daily rental charge,which includes: Daily rental rate. Mileage charges. Related taxes. Certain limits. Also Know,how do you know if your insurance covers rental cars?

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In the case of an accident in a rental car, you would pick up the deductible on your auto insurance policy and then State Farm would cover the remainder, up to your policy鈥檚 limit. If your State Farm policy has a very high deductible, you might consider opting for more coverage from the rental car company.

Do You Need Rental Car Insurance? Chances are, if you already have State Farm car insurance with collision and comprehensive coverage, it’ll carry over to your rental car. But what’s covered and how much depends on your specific policy and several other factors.

You’re traveling in another country and the insurance agreement or local laws prevent you from leaving until you’ve fully paid for any damages that might occur. Talk to your State Farm agent about your car insurance policy before renting a vehicle to see what you need to consider.

Additionally, if you’ve purchased travel insurance on the trip you are on, that insurance may offer rental car coverage. For most people traveling for personal reasons, paying extra for coverage from a car rental company is probably a waste of money. But there are a few situations when you should consider it: