When you rent a car, you are liable for injuries, property damage you cause to others, and damage to the rental car regardless of fault. With some restrictions, your auto insurance policy will cover you in your policy territory (United States, its possessions and territories, and Canada) if you injure someone or their property. In most cases, your auto policy will also cover damage to the rental car if you carry comprehensive and collision coverage on at least one of your covered autos.
If you plan on your credit card covering damage to your rental car, read the fine print. Some cards provide coverage only after you prove there is no coverage under your personal policy. Some cards actually have dollar limitations and very restrictive coverage.
If you are unsure, call us to discuss rental car coverage before leaving for your trip. Hubbard Insurance covers Rocky River and all of Ohio, and our agents are available to assist you with all of your insurance needs.