If you only carry the state minimum liability insurance, your policy is designed to cover damage you cause to other people and their property. Do not assume the coverage is active without confirming.
Does State Farm Cover Rental Car Theft Damage
Additionally, if you are at fault in an accident and your liability coverage is triggered, your own rental car coverage is generally not activated. It depends entirely on the specific details of your existing policy, the type of coverage you carry, and the reason you need the rental.
Most companies will require you to present a valid claim check or authorization number before they will release a vehicle to you without a credit card hold. Loss of Use typically covers the actual rental fees and related expenses necessary to replace your vehicle while it is being repaired.
Does State Farm Cover Rental Car Theft Damage?
Rental Reimbursement is a separate, specific coverage that directly pays for the rental car payment. For example, if your deductible is $500 and your rental costs $40 per day, you will need to cover the first $500 of repair costs before the rental reimbursement begins.
More About Does my state farm policy cover rental cars
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