Does my auto policy cover me while I'm driving a rented car?

This is a tricky question.  We used to tell people not to buy the rental insurance; their policy provided sufficient coverage.  However, the rental car contracts now have clauses in them that require payment for additional items that your auto policy would not cover, such as loss of use.  Additionally, coverage only applies to the named insured, not any driver.  We now recommend that you purchase the rental insurance.  In addition to avoiding the possibility of  no coverage, your collision deductible is waived.  We strongly urge you to phone us to discuss your situation if you’re not sure what to do.