car if something should happen to it. However, your collision and comprehensive coverage might, so before you rent the car, check with your insurance company. You may also have a credit card that covers you, so look into those benefits as well. (Keep in mind this is usually a secondary coverage and may come with some exclusions, so read all the details.) Lastly, know that your rental company’s rate includes basic liability coverage. This means you’re covered for minor accidents and damage, but not major ones. For more details around coverage for rental cars car, read Chapter 13, which focuses on insuring cars other than your regularly used personal vehicles. WHAT’S NOT COVERED Even with all these options, there are some things a regular auto insurance policy just doesn’t cover. One is purposefully hitting another car, person, or property (not that you’d even think of doing that!). It also doesn’t cover driving your car for work purposes. It’s not just a matter of making sure you’re covered — using your car for business purposes while just carrying your regular insurance coverage may void your policy. In addition, a general policy won’t necessarily cover any items in your car or another vehicle with two or three wheels. However, you can add coverage that does insure these things. • • •
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