Does Your Auto Insurance Cover You In Rental Cars? 
Your auto insurance will cover you when you rent a car with the samecoverage ` syou currently carry on your personal auto policy . All rules , coverage 's deductibles and limits apply . A rental car is considered a temporary substitute vehicle . Keep in mind this must be avehicleof theprivatepassenger type , not U-hauls or commercialvehicles . Also renting a vehicle does not give you permission to loan the vehicle toanotherparty as all operators must be listed on the rental agreement . I recommend you call your insurance carrier before renting a vehicle to make sure your policycoverage ` sare adequate . 