About Vehicle Insurance On The Rental Vehicle.

If you have (and maintain) auto insurance on your vehicle (that was damaged or destroyed in the accident), then your auto insurance coverage will probably transfer over to your rental vehicle automatically for the brief period that you are in the rental vehicle (because a rental vehicle is a "replacement vehicle" on most insurance policies).  But, notify your auto insurance agent (from whom you bought your auto insurance for your own car) that you plan to rent a vehicle anyway, and ask your auto insurance agent to transfer your existing auto insurance over to your rental vehicle before you drive the rental vehicle (just to be safe).  Beware.  If you only have "required (basic) coverage" on your vehicle that was involved in the accident, and if that auto insurance is transferred over to the rental vehicle, then you will still only have "required (basic) coverage" on your rental vehicle.  So, if you are in an accident while you are driving the rental vehicle, and you have only "required (basic) coverage" (junk insurance) on your vehicle that was in the accident, you might be held personally responsible to pay for damages, including damage to the rental car itself, or for injuries to other people.  But, no matter what kind of auto insurance you have on your own vehicle, the vehicle rental agency will still try to sell you even more auto insurance anyway (at an inflated price), even though they know that your own auto insurance (with all its limitations and deficiencies) may transfer over to the rental vehicle for a brief period.  But, beware. No auto insurance company (yours or the one on the other side) will reimburse you for any extra ("add-on") auto insurance that you choose to buy from any vehicle rental agency no matter what.  For this reason, we recommend that if you need more auto insurance (and you might), you buy if from your own auto insurance agent before you obtain a rental vehicle (so you pay much less for it and so you keep it on your own vehicle after the rental period is over).