Planning a road trip or just need a temporary vehicle while yours is in the shop? The question of rental car coverage is a common one, especially when you want to avoid surprise costs at the rental counter. If you’re a Progressive customer, you’re likely wondering about your existing policy and how it applies. So, let’s get right to the big question you’re asking: does progressive insurance cover rental cars? The good news is, the answer is often yes, but the details are key to understanding your protection.
How Your Progressive Policy Protects Your Rental
In many cases, the coverages you have on your personal auto policy can extend to a rental car. This is fantastic because it means you might not need to buy the expensive insurance offered by the rental company. Your liability coverage, which is required by law, typically follows you into a rental car. More importantly, if you have comprehensive and collision coverage on your policy, it often applies to a rental vehicle, protecting you from costs if the rental is damaged or stolen. This can save you a significant amount of money.
When You Might Need Extra Protection
While your main coverages often extend, there can be gaps. A common one is loss of use. If the rental car company can’t rent the vehicle while it’s being repaired, they may charge you for that lost income. Your standard Progressive policy may not cover this fee. Additionally, some rental companies might charge administrative fees related to a claim. To fill these gaps, Progressive offers Rental Reimbursement as an optional add-on, which can cover the cost of a rental car and sometimes associated fees if your own car is being repaired due to a covered claim.
Getting the Right Answer for Your Trip
The best way to be certain about your coverage is to do a quick check before you travel. Log into your Progressive account online or give them a call. Your policy details will outline exactly what is and isn’t covered. Be ready to confirm what type of rental car you’re getting, as some policies have restrictions on certain vehicle classes like luxury cars or large trucks. Taking a few minutes to verify your coverage can give you complete peace of mind and help you decide if you need to add the rental company’s insurance or rely on your own.
Being prepared is the best way to enjoy your rental car experience. With a clear picture of your Progressive policy, you can hit the road confidently, knowing you’re protected.
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