Rental Automobile Insurance Amherst New York NY

Reader’s Question:

My car is in a repair shop. My work demands me to be driving almost all the time. So, it’s a necessity for me to rent a car while my car is being repaired. My question is, am I still protected by my insurance even if I drive a rental car in Amherst New York?

Olivia

Amherst, NY

I assume that you have a liability insurance policy because this is mandated by New York Law. So, with your liability coverage, this covers you for property damage and bodily injury. But you must remember this applies only on the “excess” basis. Let’s say you had a vehicular accident, the insurance company provided by the rental car will pay for the damage up to their specified limits. If there are any excess damages that resulted from that accident, then your insurance policy will cover for that.

You must remember that as the driver of the rental car, you may be held fully liable for the damages incurred to the rental car, unless you purchased an optional vehicle protection from the rental vehicle company, have insurance coverage from your insurance policy or from your credit card.

Check with your auto insurance agent in Amherst, NY for more information on insurance policy. You can also get information about rental car through websites also.

Tags: auto insurance