If you have collision and comprehensive insurance on your personal auto, you automatically have the same coverages, subject to your deductible, under the physical damage insurance. You are NOT covered, however, for related costs such as lost business income for the rental car company while their damaged vehicle is being repaired.  That's why we recommend that you buy the insurance from the rental company when you rent the car.

No. Special coverage is required under a separate insurance plan. If your town has flood plain zoning in place, you may be eligible for insurance through a special federal government program. Back to list.