Which coverage is not included in a Rental Car Policy?

In a Rental Car Policy, coverage for legal liability for damage to owned autos is typically not included because the policy is designed specifically to address the needs associated with renting vehicles rather than ownership. Rental car insurance often focuses on aspects like loss of use for lessors (the rental companies), loss of use for lessees (the renters), and third-party liability, which covers damages to other parties in the event of an accident.

Legal liability for damage to owned autos generally pertains to coverage for vehicles owned by the insured. However, renters do not own the rental car; they are merely using it temporarily. Therefore, any liability for damage to their own vehicles would fall under their personal automobile policy, not the rental policy.

This distinction helps in understanding how rental car policies are structured and what types of coverage are relevant to renters versus vehicle owners. Understanding these nuances aids in making informed decisions when renting vehicles or considering additional coverage options.