Your Personal Auto Policy (PAP) extends auto liability, uninsured / underinsured motorist, and medical payments coverage (if purchased) to any “non-owned auto”, including a rental car. The vehicle you rent must be a private passenger auto, pickup or van (not a large truck or moving van). Also, you must have at least one vehicle insured under your PAP with “Collision” and “Other than Collision” for those physical damage coverages to be extended to your rental car, subject to your deductibles.

Coverage under a PAP is only provided in the United States of America, its territories or possessions; Puerto Rico or Canada. For rental cars in Mexico, Europe and other destinations you must purchase auto liability and physical damage coverages from the rental car company or other vendor.

NOTE: Rental car agreements may obligate you legally to more than any Personal Auto Policy can fully cover. Most people don’t realize that many rental car agreements obligate you to uninsured expenses after a loss like: loss of rents during repair, diminished re-sale value, loss settlement and other administrative costs. Read the fine print!

For answers to other questions related to rental cars, read:

• What is “Collision Damage Waiver”?
• Should I Buy “Collision Damage Waiver”?
• What coverage is NOT provided by my Personal Auto Policy?
• Are their alternatives to CDW from the rental car company?
• Or contact your American Insurance Agent to discuss the details of your specific policy.