Remember that your liability coverage travels with you from car to car.
So, whether you are driving your car, a friend’s car, or a rental car, your liability insurance follows you. However, the physical damage coverage does not work the same.
In most cases, your personal automobile insurance policy will provide coverage only when you are renting a car on vacation. Many insurance companies no longer extend personal automobile insurance coverage when you are traveling on business.
The best way to find out what rental car coverage you have under your automobile policy is to call your insurance agent and verify if you have coverage or not.