Personal Auto Policy Extension

Coverage overview

Many US **personal auto policies** extend collision and liability to rental vehicles for **30 days or less** when rented in your name. Geico, State Farm, and Progressive typically cover **collision** on rentals if you carry comp/collision on owned vehicles — deductible applies (**$500–$1,000** common). Liability extension varies: some policies match your personal limits (**$100k/$300k**); others cap rental liability at state minimum. Call your insurer with the rental VIN/class before pickup — ask specifically about **CONRAC commercial fleet** and **SUV/pickup** classes. If your policy is **liability-only** on owned cars, you likely need CDW/LDW or credit-card collision coverage for the rental itself. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 — purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice. **Prior collision on your policy:** If your insurer excludes drivers with at-fault accidents in the last **36 months**…