If you rent a car for vacation or other personal use, you have coverage`- under your auto policy in most cases (check with your agent). But if you rent a car for a business trip, there is no coverage. Why? Because the coverage for personal auto usage. Businesses that benefit from such use should pay the cost of insuring rental cars.
More days of coverage
Most carriers have some sort of limit as to how long the insured may keep the rental car. You will need to confirm this with the agent. The insured should also notify the agent of a prolonged rental period and why. It could be various reasons for such an occasion. Examples: delay in a damaged vehicle repairs. Inability to access the insured vehicle and so on.
Optional coverage’s for rental cars
If you need more coverage for a rental car, there are optional coverage’s. You may want to ask your agent about them if:
You use a car owned by your employer.
You use a rental car for your job or business.
You rent a car for consecutive days of personal use.
You don't carry collision or comprehensive coverage on your policy but want these coverage’s to apply to rental cars you use.
You want coverage for loss of use and administrative costs that rental car companies may charge when a car you rent is damaged.
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