Does Personal Auto Insurance Cover Rental Vehicles? 
There are a couple of angles on this question . And as always , check with your agent . Coverage varies by state and insurance company . In Illinois , your owned vehicle insurance policy generally extends coverage to the temporary use of a rental car , rented in the 50 states and Canada . The same coverage applies . That means that if you do NOT have physical damage coverages on your own policy , i.e. collision and comprehensive , you wo n't have them for the rental vehicle either . You would then need to purchase the physical damage waiver from the rental agency . All of this discussion refers to the rental of a private passenger vehicle . If you 're moving and rent a truck for your belongings , your personal auto insurance will probably not cover it . If the original question relates to coverage to pay for a rental vehicle , most companies provide the optional coverage in the event of a covered claim . 