Frequently Asked Questions about Car Insurance
An auto insurance policy can help protect you and your vehicle in a variety of scenarios, depending on the type of coverage you choose. Sometimes you may have questions about your coverage before the incident occurs — for example, "I'm going to rent a car, do I need additional insurance?" More often, though, questions can arise after an accident — "I hit a deer. Am I protected?"
In any case, it can be helpful to read some frequently asked questions about auto insurance coverage now, so you can be knowledgeable for both types of scenarios in the future.
Pull the float.
As long as you are doing it as a volunteer and not getting paid, insurance will usually offer coverage. If something happens, make sure you know how your insurance can help protect you.
Car rental.
Personal auto insurance policies usually cover rental cars while you are in the United States. If you pay for your car rental with a certain credit card, you may find that the card offers free insurance, according to information from the Insurance Information Institute (III). However, it is important to check your insurance coverage to ensure you have appropriate coverage before declining additional insurance offered by the rental company.
Rent a car abroad.
Usually, your own auto insurance will not cover you overseas. Each country has its own requirements. Before traveling, you may want to contact the United States embassy in your destination to find out the terms of any rental car insurance.
Rent a moving truck.
You may have to purchase additional coverage in the form of collision damage insurance from the rental company if you are renting a truck. Your comprehensive and collision coverage will likely not apply to moving trucks that you do not own, only to private passenger vehicles, according to information from III.
Driving for a ride-sharing company.
Personal car insurance may not cover you if you use your car for business purposes. It is possible that there is a gap between your personal auto insurance coverage and that of a ride-sharing company. However, some private auto insurance companies offer optional coverage to fill the gap.
Does car insurance protect...
Hail damage?
Generally, the answer is yes, if you have comprehensive coverage. Comprehensive coverage can help pay for repairs to damage to your car
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