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What insurance do I need to rent out my car?

Typically, insurance carriers will not insure your vehicle outside you, your family, or a covered person’s use. Since the primary auto insurance in the State of Illinois is the liability coverage, you may have to add an optional coverage or, specifically, get a car sharing insurance.

While car sharing companies may provide you with insurance, this will normally have a coverage cap. If the claim is above the policy, you may have to spend out of your pocket. It is best to know how to get your vehicle insured before joining the industry to keep you and your vehicle protected.

The State of Illinois aims to protect consumers by providing information about car sharing, opening their office to related queries, and monitoring insurance markets. If you have any questions on car sharing and similar topics, the IDOI encourages you to call their toll free hotline 866-446-5364.

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