Most companies in my state cover a non owned vehicle or rental car under your primary auto policy.
Now here is the rub.
You are covered exactly the same as in you own car, so if you have a $500 deductible bingo so does the rental. If you get a door ding or are involved in a minor acc. the rental company wants its money right now. To offset this many Gold Visa cards offer a deductible buyback if you rent with a specific card.
Next problem, your car insurance will cover the damages, but not the loss of income to the rental company. So if you total a rental car, your insurance pays the whole thing but you get a bill for $1078. $49 a day times 22 days. Which was how long the car was out of service.
Last problem, but a huge one. If you rent a car and are not the driver of the car during the acc. your insurance does not cover the loss. Say you rent it and let your friend drive; if he has a wreck your company has no coverage on him. If he does not have an auto policy that covers him you get to pay for the whole thing out of your pocket.
Lastly let me tell you a horror story.
One of my insured’s has a good auto policy in force with me as he goes on vacation. He is a prudent person so he also springs for the rental car companies insurance.
Well, he gets a little tipsy at a party and has a friend drive him home. Smart move right?
Well the friend totals the car. Here is the bad part. My policy won’t cover it because I don’t have a contract with the friend. The rental car insurance won’t cover it because the guy is not listed as a driver on the rental agreement. My guy had to pay $22,000 out of his pocket during time he had two insurance policies in force.