Each policy is different, and it is best to contact your auto protection provider to find out if there are exclusions and to ensure you are covered for the type of vehicle you are renting. It is also important that you consider what the cost would be out of pocket if you had damage and had to file a claim with your personal insurance Information about your carrier may be requested at the time of rental. Ex: Some Insurance carriers in some states covers the claim but doesn’t cover the “loss rent” of the vehicle while getting fixed, and that cost will be responsibility of the Renter.