* Vehicle Type: Most personal car insurance policies only cover standard passenger vehicles, not commercial vehicles like vans.
* Capacity: Vans with 15 passenger capacity are often considered commercial vehicles due to their size and intended use.
* Liability: The potential liability associated with accidents involving a 15-passenger van is significantly higher than a standard car.
What to Do:
1. Contact Your Insurance Company: It's crucial to call your insurance provider and ask directly if your policy covers rental vans. They can clarify the coverage details for your specific policy.
2. Consider Rental Insurance: When renting a 15-passenger van, the rental company typically offers insurance options. This is often the most reliable way to ensure you're adequately covered.
3. Check for Additional Coverage: Some personal car insurance policies offer additional coverage for rentals, but this is usually limited to smaller vehicles and for a shorter duration.
Don't rely on assumptions. It's always best to confirm coverage details with your insurance company before driving any rental vehicle.
