Month: November 2024

In New York, drivers must have at least liability insurance to take a vehicle on the road. When you are headed for vacation and need a rental car, you will likely book it online. The questions will start immediately: where, when, and what vehicle is just the beginning. Our team of agents at Fenzl Insurance Agency in Hamburg, NY is here to answer any questions you have about auto insurance coverage.

There isn’t just one answer: "Does your auto insurance cover a vacation auto rental?" The answer is maybe, possibly. It depends on the type of coverage you have on your auto. If you have basic auto insurance, which is liability only, that will not be enough coverage. The rental car company will want you to have coverage on the vehicle. If you have a newer vehicle with an auto loan or a leased vehicle, your coverage should be adequate for the rental company.

Your insurance coverage is good in the United States or Canada but not in Mexico or Europe. The rental company may try to talk you into getting excess liability insurance. This is unnecessary if you feel safe with the amount of coverage you have on your auto policy. They also offer you insurance to cover the car’s contents from theft. This is also unnecessary coverage if you have a home, condo, or rental with insurance coverage. Those types of insurance cover theft.

You should check with your credit card company to see if they offer car rental coverage. This allows them to be the primary coverage on the vehicle.

If you want to renew your auto insurance or have questions, contact our office at Fenzl Insurance Agency in Hamburg, NY.