Your personal auto policy will likely cover rental cars, including liability, collision and comprehensive damages.

Q: Is it necessary to pay for the optional insurance when renting a car? Will my car insurance cover any damages?

A: Your personal auto policy will likely cover rental cars, including liability, collision and comprehensive damages (assuming you have these coverages on your own policy). Contact your insurance company or the agent who sold you the policy to be sure.

Even though you might already be covered, if you were to have a wreck or need to file a claim for some other reason, you would still be responsible for the deductible, and the claim would appear on your record and likely raise your rates in subsequent years (or cause your insurance carrier to not renew your........

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