Auto insurance can feel straightforward — until you actually need to use it.
Here are some of the most common questions we get, explained in plain English so you know exactly what you have (and what you don’t).
In many cases, your personal auto policy does extend to rental cars — especially for liability and physical damage.
But there are gaps people don’t always think about, like:
Before you automatically decline or accept coverage at the counter, it’s worth knowing exactly what your policy includes.
If you’re not sure, we can take a quick look before your next trip.
“Full coverage” isn’t a real insurance term — it’s just a phrase people use.
Typically, it refers to a combination of:
But even with all three, you may still have gaps depending on your limits, deductibles, and endorsements.
The better question is: are you properly covered for your situation?
The state minimum is rarely enough.
If you’re in a serious accident, costs can quickly exceed minimum limits — leaving you personally responsible for the difference.
The right amount depends on things like:
Coverage should be built to protect what you’ve worked for, not just meet a requirement.
In most cases, yes — your policy may extend to someone driving your car with your permission.
But there are important exceptions:
If someone else is regularly using your vehicle, it’s worth making sure they’re properly accounted for.
Your auto insurance generally follows you, not your location.
That means your policy will typically apply anywhere in the U.S.
However:
It’s one more reason to make sure your coverage is strong enough no matter where you are.
That’s exactly why we have these conversations.
At Camargo, we walk through your policy with you in plain English — so you understand what’s covered, what’s not, and where there may be gaps.
Let’s take a look together.