Coverage from your MA Automobile Policy does follow you only in the continental U.S. & Canada as long as your vehicle is left at home and not driven while you are traveling or on vacation. However, it may be wise to purchase coverage through the rental car company for the following reasons:
1. Collision and Comprehensive deductibles on your policy will apply.
2. Unlike coverage for your own vehicle, if you do have an accident with a rental vehicle your MA policy will not provide coverage for “loss of use” while that vehicle is being repaired. The rental company may charge you handsomely for this “loss of use”.
3. When you do not have coverage for collision and comprehensive on your own MA policy, you don’t have it on a rental vehicle either.
4. In the event of an accident, the rental car company will likely automatically charge your for the damage on your credit card. It could be weeks before you get reimbursed for this charge because it can take time for your MA policy to settle the claim with the rental company.
Note: Some credit cards offer rental car insurance as a benefit to their cardholders, and it may be worth looking into. Though please be advised that we cannot provide advise or recommendations on the coverage provided by credit cards, for that we suggest you refer to your your credit card agreement or company.