Auto Insurance
Auto Insurance Claims
Car Rentals

Does the state of Missouri require rental car to be paid for under full coverage auto insurance?


Top Answer
User Avatar
Wiki User
2012-03-26 05:47:00
2012-03-26 05:47:00

No. Rental coverage is something you buy extra. "Full coverage" just means you bought liability, comprehensive, and collision insurance.

User Avatar

Related Questions

Please clarify the type of "rental coverage" that you mean. There is, for example, rental insurance available on rental cars, and rental coverage that one buys on personal belongings when living in a rented home.

The rental car companies should have coverage. If not check with your own insurance provider

You only get a rental if your policy specifies that you chose to pay extra to have rental car coverage. Having collision coverage is not the same thing as having rental. Collision coverage just covers the repairs to your vehicle. If you are not at fault for the accident, the other person's insurance will provide you with a rental car.

Absolutely, your personal insurance can transfer the coverage you have on your personal policy to the rental car thus saving you a good bit of money by not purchasing the coverage from the rental company. But before you do this speak with your agent and make sure your policy will transfer coverage to the rental car and that it has comprehensive and collission coverage to transfer. Many company offer transfer of coverage to the rental car but also there are many policies that do not provide this transfer of coverage. Make sure you have the correct kind. If there is any question, please go ahead and purchase the coverage offered by the rental company. I hope this is of assistance.

Boat rental insurance is not usually required in order to rent a boat from any company. However, because boat rental companies are protected under the law from any injury or accident which may occur while you are renting the boat, it is a good idea to purchase boat rental insurance prior to rental.

Yes, the rental co has to have insurance coverage even if you don't have one. Purchasing additional coverage from the rental co is NOT a term of the lease of the vehicle. The law requires all rental co to provide their own insurance coverage.

Only if you have bought the extra coverage to have a rental. "Full coverage" usually just means you bought liability, comprehensive, and collision insurance.

only if you have full coverage insurance and the reason for the rental is due to an insurance claim- such as an accident.

No. By "full coverage," I assume you mean you have comprehensive and collision coverage. This does not include rental. You have to buy a special endorsement on your policy to get rental. Hitting a deer is a comprehensive claim and if you have rental, you will get a rental if the car is non-drivable or when it is in the shops for the repairs. If you did not buy rental, the insurance company does not have to pay. Check your coverages.

DOWNTIME / RENTAL (Rental Reimbursement with Downtime Protection Coverage)Downtime / Rental provides coverage for rental car costs to temporarily replace an insured vehicle due to a covered loss.

Some policies automatically include a minimal amount of rental reimbursement coverage, but generally your policy includes no coverage for rental reimbursement if it is not listed with a premium on your declarations page.

Some auto insurance policies transfer to rental cars, and some do not. You need to ask your insurance agent about the details of your insurance policy, and the specifics of coverage while you are driving a rental car.

It depends on the individual policy. Most full coverage auto insurance policies will cover the driver no matter what car he or she is driving, but not all. Check with your insurance agent. to see what SPECIFIC coverage you have before you waive the rental insurance at the rental office.

It all depends on whether the renter signed up for the car rental company's extra insurance coverage at the beginning of the rental. If LDW (Loss Damage Waiver) or CDW (Collision Damage Waiver) insurance coverage was accepted by the renter, you will likely be dealing with the car rental company's insurance. If the renter declined the extra coverage, then you will deal directly with the renter's personal insurance provider.

Your auto coverage may include coverage for a rental vehicle. Contact your insurance provider to make sure. If it does not, you may be required to pay extra to the rental agency for coverage. You may be able to waive the insurance, in which case you would be personally responsible for damage to the vehicle and for property damage and bodily harm caused by the vehicle when you were driving it. To rent a car in Orlando, FL you will need to have full coverage insurance, as well as a credit card. The car rental agency must also have insurance on you, and a amount of the rental charge will reflect that. The agency must also offer you collision damage waiver insurance and theft insurance.

you need full coverage insurance- if you do not- then you must either have a major credit card (not debit) or purchase the companies coverage.

They do it on your demand of coverage. Car rental companies dont add you insurance in car rental amount, Its just like you book flight ticket there is option of choosing insurance or not.

All rental car co. are required by law to carry at least the minimum liability coverage. Purchasing insurance from a rental place is NOT a term and/or requirement, however, liability coverage is very low, speaking of $ amount. You can use your car insurance also. Each rental car co will sell you "an additional" insurance coverage. Unfortunately, I am not aware what the charge per day is.

Check you policy to determine if you have rental car insurance. Some credit cards also have rental car insurance.

All you need to do is call an insurance broker. They usually offer rented equipment coverage, but they usually are accompanied by a hefty premium. Most equipment rental companies offer insurance for about 14% of the price of the rental. If you are not going to be renting equipment often or in bulk, the company insurance coverage will probably be best for you.

If you have adequate liability coverage on your own vehicle, this is one coverage you can always decline on your rental. Your personal auto insurance should extend to a rental car. A rental car most likely would be covered by Collision coverage or Liability coverage, depending on the state in which your policy is issued. For more information visit at:

Renters wanting such coverage should check with their existing car insurance as their existing insurer may be able to add it to their regular yearly policy for a small premium. This provides coverage from an insurance company that they know, instead of unregulated (from insurance standpoint) car-rental outfit, which offering you may understand less.

Yes. An example of this would be the homeowners insurance that you carry on a rental property.

Most auto insurance companies will extend the coverage on your personal auto policy to a rental car. The important fact is whether you have a statement or not.

State farm offers many kinds of car insurance coverage. They offer comprehensive insurance, liability insurance, personal injury coverage, uninsured and underinsured motorist coverage,as well as rental reimbursement and Emergency Road service.

Copyright ยฉ 2020 Multiply Media, LLC. All Rights Reserved. The material on this site can not be reproduced, distributed, transmitted, cached or otherwise used, except with prior written permission of Multiply.