Does Erie Auto Insurance Cover Rental Cars? 
Without specifics , `` it depends ... '' on what state the policy is written in . I am in New York and the NY Personal Auto Policy is required -LRB- by statute -RRB- to have some type of `` Rental Vehicle Coverage Endorsement ' . It is not optional . The endorsement sets forth an Insuring Agreement , Definitions , Priority of Payment , Exclusions , Subrogation , Duties after an Accident or Loss , and General Provisions . Coverage for the actual damage to or loss ofthe rental vehicle -LRB- with limitations -RRB- is provided ` regardless of fault . ' The endorsement does not set forth value or limit . Theoretically , I can rent a Rolls Royce , total it , and my carrier most likely pays the rental company the $ 350,000 value of the car including loss of use . My NY Rental Vehicle Coverage does not pay the ` reduction/diminution in value of the vehicle ' in the event it is repairable - thiscoveragecannot be added to my policy . Diminution of Value coverage is available through the physical damage insurance offered by the rental company -LRB- aka the collision damage waiver , etc -RRB- . A thorough reading of an Erie Personal Auto Insurance policy issued in your state is warranted as my answer only applies to theNew York Personal Auto Policy . Commercial or Business auto policies address rental vehicles in a different manner - a topic for a separate question . 