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Rental Car Insurance ; Car rental companies offer several different insurance options that your existing policy might already cover. Car rental companies may charge administrative and loss-of-use fees which are not typically covered under personal auto policies. You can check with your carrier to see if your coverage applies to rental cars. Sometimes a rental/substitute vehicle is only covered if the insured vehicle is unavailable due to a covered loss. Additionally, policy provisions such as deductibles will apply for claims under your persona ...