Does Travelers Auto Insurance Cover Rental Cars? 
Coverage can vary by State . In Texas , a standard private passenger auto insurance policy will cover you in a rental car as a tempory substitute - and damage to the rental unit actually comes under the Property Damage coverage for contractual liability . Although it IS covered , I STILL buy the physical damage waiver coverage offered by the rental companies . I do n't want the rental company filling a claim on the vehicle for something I was NOT responsible nor tagging my credit card for a LARGE amount and using up my credit limit . Hope this helps ! 