Get covered in minutes!

Car

Property

Home > Blog > Do I need to purchase rental insurance when renting a car?

Do I need to purchase rental insurance when renting a car?

A: Not necessarily. In Massachusetts, your auto insurance policy follows you in the U.S., Canada and U.S. territories when you rent a car, so the extra rental insurance is not necessarily needed. But, here are some situations where you want to think about adding the rental coverage…

Outside of those areas you should buy the coverage (for instance, in Europe). You would also want to buy the rental insurance if you don’t carry Collision and/or Comprehensive coverage on your own MA auto policy.

Remember, only the drivers listed on your rental contract will be covered by your MA auto policy, so if you list only yourself as the only driver on the rental contract DO NOT let someone else drive the vehicle.

Loss of use of the rental vehicle in the event of an accident is NOT covered by your MA auto policy and you could be billed an additional amount by the rental company for the time period they cannot use their damaged vehicle while it is being repaired. Some rental drivers purchase the rental coverage (known as “collision damage waiver”) for that reason alone.

Rented trucks with a GVW of 10,000 lbs or above would NOT be covered by a MA auto policy.

Answered by Garrity Insurance

Articles

Halloween Safety Tips

Halloween Safety Tips

Halloween is a fun and exciting time for both children and adults alike! The holiday is typically spent trick-or-treating, carving jack-o-lanterns, and attending parties. But according to the National Highway Traffic Safety Administration (NHTSA), Halloween can be a...

read more
Massachusetts RMV to Make Inspection Sticker Changes

Massachusetts RMV to Make Inspection Sticker Changes

The Massachusetts Registry of Motor Vehicles will soon change how it handles late vehicle inspection stickers. The change means that beginning November 1, 2022, vehicles that pass inspection will get a new sticker with the month the last sticker expired, according to...

read more
Does My Car Insurance Cover Other Drivers?

Does My Car Insurance Cover Other Drivers?

It's nice to be able to help out a family member or friend by letting them borrow your car if they need it. However, it pays to know what your insurance policy covers just in case that person gets into a collision in your vehicle. If they aren't covered, you could be...

read more