Does Erie Insurance Cover Rental Cars?

So, you’re getting ready for a road trip and need to rent a car. The rental car company offers you additional insurance coverage, but what does your Erie insurance policy cover? Let’s break it down so you can confidently hit the road. 

Yes, Erie offers rental car coverage as part of its auto insurance policies. Erie’s rental car coverage protects from physical damage to the rental vehicle and can help cover the cost of a rental car while your vehicle is being repaired. However, it’s important to note that rental car coverage is not automatically included in your policy, so you’ll need to add it as optional.

In this article, I will dive deep into whether Erie Insurance covers rental cars and what you need to know before renting your next vehicle.

What Does Erie Insurance Cover for Rental Cars?

When you rent a car, you will be offered additional insurance coverage from the rental car company. It’s essential to know what Erie insurance covers and whether you need to purchase additional coverage.

Here’s what Erie insurance covers for rental cars:

1. Physical Damage Coverage: Say Goodbye to Scratches and Dents

Accidents happen, even when you’re renting a car. Thankfully, Erie Insurance covers physical damage to a rental car caused by theft, vandalism, or an accident. 

If you scratch the car or get into a fender-bender, don’t panic – Erie Insurance will take care of the repairs up to the limits of your policy.

2. Liability Coverage: You’re Not Alone on the Road

Driving a rental car can be nerve-wracking, but Erie Insurance has your back. Their liability coverage protects you in case you cause an accident while driving the rental car. You won’t have to worry about paying for damages to others because Erie Insurance has got you covered!

3. Loss of Use: When Your Car Needs a Tune-Up

If your car needs repairs after an accident, Erie Insurance will cover the cost of renting a car. This is called “loss of use” coverage, and it ensures that you have transportation while your car is in the shop. 

So, don’t cancel your road trip just because your car needs a tune-up – Erie Insurance will make sure you’re still hitting the open road.

Pretty sweet deal, huh?

What Isn’t Covered By Erie Insurance for Rental Cars?

Picture this: You’re zipping around in a rental car, feeling like a boss, when suddenly…SCREECH! You get into an accident. You’ve got Erie insurance, so you’re covered, right? Well, not exactly. 

As much as we’d love to be your superhero in all situations, there are some things Erie insurance doesn’t cover for rental cars. Here’s the lowdown on what Erie Insurance won’t cover for rental cars: 

1. Personal Injury: Ouch, That Hurts!

I know; it’s a bummer. But if you or any passengers in the rental car are injured in an accident, Erie Insurance would not cover this.

2. Additional Expenses: Pay Up!

Any additional expenses, such as towing or rental car fees, would not be covered by Erie Insurance.

3. Non-Covered Rental Car Damage: Watch Out!

If the rental car has pre-existing damage or is not properly maintained, Erie Insurance may not cover any additional damage that occurs. So, make sure to inspect the rental car thoroughly before driving off the lot.

4. Rental Car Insurance Add-Ons: Extra, extra!

If you purchased additional insurance from the rental car company, such as a collision damage waiver or personal accident insurance, Erie Insurance might not cover these additional fees.

5. Driving Outside of the United States 

If you plan on driving the rental car outside of the United States, Erie Insurance may not cover any incidents that occur.

Don’t fret! Just be sure to read the fine print and fully understand your policy before renting a car.

Types of Rental Car Coverage with Erie Insurance

You’ve got your Erie Insurance, but what happens if you’re in an accident or your car is out of commission? Don’t worry; Erie Insurance has got you covered with two types of rental car coverage: 

1. Rental Car Coverage as an Add-On to Your Policy

If you have this type of coverage, Erie Insurance will reimburse you for the cost of a rental car if your vehicle is out of commission for a covered loss. This coverage is not automatically included in your policy and must be added as an endorsement.

The cost of this coverage will vary based on several factors, including your vehicle type and driving record. However, this coverage can be a lifesaver if your vehicle is damaged in an accident or stolen.

2. Non-Owned Auto Coverage

This type of coverage is designed for those who do not own a vehicle but still need to rent a car for travel. Non-owned auto coverage can be added to your policy, providing liability, collision, and comprehensive coverage for rental vehicles.

This coverage is great if you frequently rent cars for business or leisure travel. It can also provide peace of mind knowing that you are protected while driving a rental car.

How to File a Claim for Rental Car Coverage With Erie Insurance?

If you are involved in an accident with a rental car, you should take the following steps to file a claim with Erie Insurance:

1. Contact the Rental Car Company 

Let them know what happened and ask for a replacement vehicle. They’ll handle getting the damaged car towed away and all that jazz.

2. Contact Erie Insurance 

Call your insurance company and let them know that you have been in an accident with a rental car. They will guide you on the next steps.

3. Provide Information 

They’ll need some information about the accident, like when and where it happened and the other driver’s name. Don’t worry; they won’t ask for the color of their eyes or anything weird like that.

4. Get an Estimate

The insurance adjuster will provide you with an estimate of the damages and the cost of repairs. No crystal ball needed!

5. Pay the Deductible

If there’s any damage to the rental car, you’ll need to pay the deductible on your policy. Hey, nothing in life is free, right?

Final Thoughts

If you’re a frequent traveler, rental car coverage can provide valuable peace of mind. With Erie Insurance, you can add rental car coverage to your policy and protect yourself from costly damage to a rental vehicle. 

Just be sure to read your policy carefully and understand the limitations and exclusions of your coverage. By taking the time to understand your insurance and your rental car agreement, you can avoid surprises and enjoy your travels with confidence.

Bon voyage!