How does coverage differ for rental vehicles vs. owned vehicles?

Whenever I need to rent a car when I'm on vacation, the rental company tries to sell me insurance. How is that kind of insurance different from the insurance I already have on my own car?

Insurance on a rental vehicle often doesn’t include liability coverage, which protects you if you injure someone else or damage another person’s property; instead it only covers physical damage to the rental vehicle. When you purchase traditional insurance on a vehicle that you own or lease, the policy will include coverage for both your vehicle and others’ property and injuries.
Alexah Grinnell
Answered on Mar 12, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids

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