Was chatting with my cousin yesterday, and he mentioned something interesting—apparently, in Ohio, your personal auto insurance might already cover rental cars. Um, I always assumed you had to buy the rental company's pricey coverage. Anyone know if that's actually true or just cousin-talk?
I actually wondered the same thing last month when renting my first car—felt like a total rookie at the counter, lol. Turns out my regular insurance did cover rentals. Might wanna double-check your policy though, just to dodge any awkward surprises...
"Might wanna double-check your policy though, just to dodge any awkward surprises..."
Good call on checking your own policy first. Last year, I rented a car in Columbus and assumed my regular coverage would be enough—turns out it was, but only partially. Had to pay extra for full coverage at the counter, felt kinda blindsided. Definitely worth a quick call to your insurer beforehand to see exactly what's included...
Yeah, I second making that call. When I was figuring out my first insurance policy, I learned the hard way that "coverage" can be pretty vague. Some policies cover liability but leave you hanging on collision or theft. Best bet is to ask specifically about rental cars—what's included, what's not, and if there's a deductible involved. Takes just a few minutes, but saves you from stressing at the rental counter later...
Good points raised here. From my experience, personal auto policies often extend coverage to rentals, but luxury or high-end vehicles can sometimes be excluded or limited. Definitely worth clarifying specifics with your insurer before assuming full protection.
