Do I have coverage when I rent a car?

If you have full coverage on any vehicle on your own personal policy then yes, you have full coverage on your rental as well. However, whatever deductible you have on your vehicle carries over to the rental vehicle. Also please note that while there is coverage for the damage to the vehicle and any property damage or liability, there is not coverage for Loss of Use. Loss of Use in the monetary damages the rental car company incurs during the downtime while the vehicle is being repaired. Many major credit card companies include this coverage if vehicle is rented on their card. Check with your card company.