Do National General U.S. Auto Insurance Policies Include Rental Car Riders?

Answering the Question in 80‑120 Words

National General's standard auto insurance policies do not automatically include rental car coverage. However, the company offers optional riders—such as the Rental Car Coverage Rider or the Rental Car Liability Rider—that can be added for an extra premium. These riders provide liability protection and, in some cases, collision coverage for rental vehicles used by the insured or an authorized driver. To determine eligibility and cost, review your policy documents or contact National General's customer service.

Understanding Rental Car Coverage

What Is a Rental Car Rider?

A rider is an add‑on to a base policy that extends specific benefits. For rental cars, riders typically cover liability, collision, and sometimes personal injury protection while the vehicle is rented.

Why It Matters

Without a rider, you may be liable for damages to the rental vehicle and face higher costs if an accident occurs. Adding a rider can protect both your finances and the rental company's interests.

National General's Rental Car Options

Rental Car Coverage Rider

This rider adds liability coverage up to the limits of your policy for rental cars. It may also extend collision and comprehensive coverage, depending on the policy.

Rental Car Liability Rider

Specifically focuses on liability protection for damages or injuries caused by the rental vehicle while in your possession.

How to Add a Rider

1. Review your current policy or log into your online account.2. Select "Add Coverage" or "Rider Options."3. Choose the desired rental car rider and confirm the additional premium.

Cost Considerations

The premium for rental car riders typically ranges from $10 to $30 per month, depending on coverage limits and the insurer's underwriting guidelines.

Comparing with Other Insurers

Common Questions & Answers

Can I use the rider for any rental company?

Most riders apply to all standard rental agencies, but check policy terms for exclusions.

Does the rider cover damage to the rental vehicle?

Only if you opt for collision and comprehensive coverage within the rider.

What happens if I forget to add a rider?

You may be responsible for repair costs and liability claims, potentially leading to higher out‑of‑pocket expenses.

Conclusion

While National General's base auto policies exclude rental car coverage, adding a rider is straightforward and provides essential protection. Evaluate your travel habits and budget to decide whether the extra cost is worthwhile.