State Farm Insurance Rental: Everything You Need to Know

Are you planning to rent a car for your next road trip? Do you want to make sure that you’re protected in case of an accident or damage to the rental vehicle? If so, you might be wondering if your State Farm insurance policy covers rental cars. In this article, we’ll answer your questions and provide you with everything you need to know about State Farm insurance and rental cars.

What is State Farm Insurance?

State Farm is a mutual insurance company that offers a variety of insurance policies, including auto insurance, home insurance, life insurance, and more. With over 83 million policies and accounts in the United States, State Farm is one of the largest insurance providers in the country.

What Types of State Farm Insurance Policies Cover Rental Cars?

If you have a State Farm auto insurance policy, your rental car may be covered under your policy. However, the coverage you have depends on the specific types of coverage you’ve purchased. The following types of coverage may apply:

If you’re not sure what type of coverage you have or if you have rental car coverage, contact your State Farm agent to find out.

Does State Farm Rental Car Coverage Extend to International Rentals?

If you plan to rent a car outside of the United States, your State Farm auto insurance policy may not cover you. However, you may be able to purchase add-on coverage from State Farm or from the rental car company to protect yourself while driving internationally.

How Does State Farm Rental Car Coverage Work?

When you rent a car, you’ll be asked if you want to purchase insurance from the rental car company. This insurance is called a Collision Damage Waiver (CDW) or Loss Damage Waiver (LDW). If you decline the rental car company’s insurance and use your State Farm auto insurance policy, you’ll typically have to pay a deductible if you’re involved in an accident or if the rental car is damaged or stolen.

How Can You File a State Farm Rental Car Insurance Claim?

If you’re involved in an accident or if the rental car is damaged, you should contact State Farm as soon as possible to file a claim. You can do this by calling your State Farm agent or by using the State Farm mobile app. Be prepared to provide the following information:

• Your name and policy number
• The date and time of the accident or damage
• The location of the accident or damage
• The names and contact information of any other drivers or witnesses
• A description of how the accident or damage occurred
• Any photos or documentation of the accident or damage

Once you’ve filed a claim, a State Farm representative will review your information and provide you with next steps.

How Much Does State Farm Rental Car Coverage Cost?

The cost of State Farm rental car coverage varies depending on the type of coverage you have and the rental car company you’re renting from. If you already have comprehensive and collision coverage on your State Farm auto insurance policy, you may not need to purchase additional coverage from the rental car company.

State Farm Rental Car Coverage: Frequently Asked Questions

Does State Farm cover rental cars for business travel?

If you’re renting a car for business purposes, your State Farm auto insurance policy may not cover you. However, you may be able to purchase additional insurance from the rental car company to protect yourself while on business travel.

Does State Farm cover rental cars for personal use?

If you have a personal auto insurance policy from State Farm, your rental car may be covered under your policy. However, the coverage you have depends on the specific types of coverage you’ve purchased. Contact your State Farm agent to find out what type of coverage you have.

What if I don’t have State Farm auto insurance?

If you don’t have State Farm auto insurance, you may still be able to purchase rental car insurance from the rental car company. Be sure to read the terms and conditions carefully to understand what is and isn’t covered.

What’s the difference between a CDW and an LDW?

A Collision Damage Waiver (CDW) and a Loss Damage Waiver (LDW) are both types of insurance offered by rental car companies. They’re designed to protect you from financial responsibility in case of an accident or damage to the rental car. The main difference between the two is the terminology used. CDW is used more often in the United States, while LDW is used more often internationally.

What if I’m renting a car for a long-term trip?

If you’re planning to rent a car for an extended period of time, you may be able to purchase long-term rental insurance from State Farm or from the rental car company. Contact your State Farm agent or the rental car company to find out more.

Conclusion

If you’re planning to rent a car for your next trip, it’s important to understand your insurance options. Depending on the type of State Farm auto insurance policy you have, your rental car may be covered under your policy. Be sure to contact your State Farm agent to find out what type of coverage you have and what your options are for protecting yourself while driving a rental car.