It’s important to know that you and the car you’re in are protected in the case of an accident, whether it’s yours or a rental. The limits and deductibles on your regular car insurance policy typically apply to a rental car, so long as you drive it for personal use. If it’s a commercial or business rental, your personal car insurance coverage may not apply. Be sure to check your car insurance policy or call your insurance company to find out which coverages extend to your rental car.