Liability vs Physical Damage Coverage

Hired & non owned liability coverage on automobiles covers the liability for automobiles that you rent. Liability coverage covers the bodily injury or physical damage to a third party for by the vehicle that is under your care/custody/control. Liability is different coverage than physical damage coverage for an auto (hired/non-owned). 

Physical damage coverage covers the damage to the actual vehicle you are renting. The cost to add this coverage is approximately $500 annually for $50,000 in physical damage coverage. If you only rent occasionally (during the harvest season), we recommend you take out a physical damage only policy on the rented vehicle.  

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