FlyerTalk Forums - View Single Post - Car rental insurance confusions
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Old Jun 6, 19, 1:13 pm
Join Date: Jan 2014
Location: Orange County California
Programs: IHG Spire, Hilton Honors Gold, Marriott Titanium, Mileage Plus Gold
Posts: 1,309
Originally Posted by dzdang View Post
I have a couple of confusions regarding car rental insurance. This is for car rentals in the U.S.

Question 1:
My University provides car insurance if booked through the University's website (it links to Enterprise/National). However, my University recently changed its policy that it will only offer insurance for the car rental if the renter is conducting university travel. It used to be such that they also provided insurance for personal travel.

I feel like there are some gray areas with this program. Say that I'm on a university travel for some academic conference. During the middle of the conference, I go to a nearby entertainment area (clearly not FOR university travel, but I guess I am still ON university travel) and something happens. I asked my University what would happen in this circumstance and was told that the University insurance would not be applicable here, and that my personal auto insurance would kick in. However, I don't have personal auto insurance. So does that effectively make it illegal for me to drive the car in this scenario, since I am technically uninsured?

Question 2:
This is not related to Question 1.
It seems car rental insurances typically insure the car and not the person driving. So say I am the primary renter on a car and I purchase the rental companies' auto insurance. If I add a secondary driver, is that driver also covered by the auto insurance?
Rules are different for California, so be careful of that. The only way to know for 100% is to read the terms. For example, the last time rented from Hertz, if you totaled the car, your only liable for $500 max, but at the same time I don't think liability comes with the rental. I'd do you research based on whats the law in California if your renting in California. My own car insurance covers me in rentals and my Chase United Club card covers the total value of the car so I do not buy extra coverage.
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