Most personal auto policies extend coverage to any vehicle you drive with the owner’s permission, including rental cars — but with limits:

• Liability typically follows you, so you have coverage for damage you cause.
• Collision and comprehensive on the borrowed vehicle generally only apply if you carry those on at least one vehicle on your own policy.
• Your limits are the limits — if you carry only state-minimum liability, that’s all you have in the rental.
• Some uses are excluded — long-term rentals (more than 30 days), commercial use, and exotic/high-value vehicles often aren’t covered.

If you rent often, ask us about a rental rider or whether your credit card includes secondary collision coverage.