Proper coverage for rental cars can be complex. While most personal auto policies offer some automatic coverage, they often don’t cover all the exposures involved. Insurers’ policies vary significantly, so agents representing multiple companies must stay informed about each company’s coverage. Additionally, state regulations impact rental vehicle coverage, leading to variations by location. This course explores relevant factors to help insurance professionals make informed recommendations regarding rental car insurance coverage, including exposures and available options. 

• recognize and explain the extent of coverage in standard personal auto policies
• describe the loss damage waiver and other optional coverages typically available from the auto rental company and their limitations
• understand the types of rental car coverage commonly provided by credit card companies
• identify the insurance-related exposures associated with ridesharing and peer-to-peer rentals
• explain the factors to be considered when making appropriate recommendations to a client who wants to know what to do about insurance on a rental car