Some travelers rent cars on their trips. They could be flying to a destination they need to drive around at or they could be traveling cross country. Unfortunately, accidents do happen from time to time and not everyone invests in rental car insurance. Luckily, the right travel insurance plan may be able to help.

Some comprehensive travel insurance plans have an add-on option for rental car collision coverage. It provides coverage for loss or damage to a rented vehicle. With this option, you would not be responsible for the cost of repairs and replacements, up to the stated limit on the plan.

While rental car collision coverage can be a very helpful item to add to your travel insurance plan, some rental car companies will not accept it. If the rental car company you chose requires you to purchase insurance through them, an add-on option from your travel insurance plan isn’t a good option.

Keep in mind, rental car collision coverage is just that – collision coverage. It doesn’t cover loss or damage to any personal property inside the car at the time of any incident. It also doesn’t cover things like damage to another vehicle or medical care for any individuals who may be hurt in an accident involving the rental car. However, your travel medical coverage may help reimburse for any emergency medical care for people included on the travel insurance plan.

Some situations may void any coverage. For example, it would not be valid if you were intoxicated at the time of an accident. It also doesn’t apply if you are engaged in any illegal activity that damages the vehicle.

Rental car collision coverage can’t be purchased for some types of vehicles, such as RVs and motorcycles. To avoid any potential claims issues, check the terms of the plan prior to purchasing if you’ll be renting a unique type of vehicle.