Does Uninsured Motorist Insurance Cover Rental Cars in Texas?

Your insurance company will pay for a car rental only for as long as it deems reasonable to repair or replace your car. You'll pay a fixed amount each day and only up to the dollar limits of your policy's rental coverage. If a driver hits your vehicle and flees, you can file a claim against the uninsured motorist coverage under your policy. However, in some states, uninsured motorist coverage for property damage (UMPD) will not cover hit-and-run incidents.

In New Hampshire, auto insurance is one of several ways to demonstrate financial responsibility, but if purchased, the state requires that both coverage for uninsured and underinsured drivers be included in all policies. For one reason or another, approximately 15 to 20% of drivers driving on the road in Texas don't have auto insurance coverage (they never bought it in the first place, they didn't make a payment, they drive a car they bought but forgot to add to their car policy, allowing the driver who has been excluded from the auto policy to drive the vehicle). But does uninsured motorist insurance cover a rental car? How exactly does rental car insurance work, anyway? If your accident was caused by another driver, the other driver's insurance company will pay for you to rent a car. Ask your insurance company what coverage your car has and whether or not it applies to a rental car.

When you take out a liability insurance policy for your car, your insurer is required to provide you with coverage for uninsured drivers. Your insurer must provide you with at least the minimum limits of liability in uninsured motorist insurance coverage for car accident injury claims, but your limits on uninsured motorist insurance cannot be increased to an amount greater than your liability limits under the liability portion of your auto insurance policy. You could even rent a luxury car for a special occasion or to avoid accumulating miles on your own car. Quote car insurance online or call 1-866-749-7436 to make sure you have the right coverage to protect against uninsured or underinsured drivers.

You can keep the rented car for as long as the company deems reasonable for repair. If it's not clear if the other driver is not insured or not, the insurance company assumes the burden of proving that the other driver is insured.

What Is Uninsured Motorist Insurance?

Uninsured motorist insurance is an important type of insurance that covers “you” for both bodily injury and property damage. If the insurance company can't prove that the other driver has insurance, you can file an uninsured motorist insurance claim.

Do I Need Uninsured Motorist Insurance in Texas?

Yes, it is important to have uninsured motorist coverage in Texas because of the high percentage of drivers who are uninsured or underinsured. This type of coverage will help protect you if you are involved in an accident with an uninsured driver. It will also help cover any medical expenses that may arise from an accident with an uninsured driver.


It's important to understand what type of coverage you have when it comes to renting a car in Texas.

Uninsured motorist coverage is an important type of coverage that can help protect you if you are involved in an accident with an uninsured driver. Make sure you understand what type of coverage you have and what limits apply so that you can be sure you are adequately protected.

Carl Somilleda
Carl Somilleda

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