Can I Use My Car Insurance To Rent A Car? 
I think your question may be a bit different than perceived by the earlier respondent . Are you asking if you fly to another location and rent a car is that covered as a temporary vehicle or not and then if it is a temporary vehicle does your own insurance apply or do you need to buy liability coverage at the rental counter . If I understand the question correctly the answer is that it depends . You may have coverage as a temporary substitute vehicle to the extent that you have coverage on the vehicle you are substituting for . I would suggest you discuss this issue with your agent , so he can review what exactly you have coverage for . Keep in mind that auto insurance in the US is typically limited to the US and Canada not Mexico so when you travel to another country be sure to go over your itinerary with your agent . Some countries like Mexico do not recognize US insurance as being valid . If you get to the rental counter in another country and forgot to review things with your agent then do this . Buy at least the minimum liability coverage they have required of the locals . 