Under what condition does a personal auto policy provide coverage for rental vehicles?

A personal auto policy provides coverage for rental vehicles when the insured is legally responsible for the vehicle. This means that if the insured has rented a vehicle and is involved in an accident or any incident that causes damage, the policy will generally cover the costs, assuming the insured holds liability for that vehicle under the terms of their policy.

The coverage typically extends to rental vehicles under the same conditions that apply to owned vehicles, as the policy's liability, collision, and comprehensive coverages are designed to protect the insured in scenarios where they are legally responsible. This is essential for ensuring that policyholders have protection while renting a vehicle, similar to what they would have if they were driving their own car.

Other options do not align with the terms of a personal auto policy. For instance, coverage does not limit to rentals over 30 days, nor is it exclusive to private vehicles, as personal auto policies generally will not cover commercial vehicles or require that the renter has additional insurance for coverage to apply.