A: NOT ALWAYS, IT IS ALWAYS A GOOD PRACTICE TO CONTACT YOU INSURANCE AGENT AND MAKE CERTAIN THAT YOU HAVE (LOSS OF USE COVERAGE) AS PART OF YOUR POLICY. RENTAL CAR COVERAGE IS NOT ALWAYS OFFERED AS PART OF FULL COVERAGE AND MOST PEOPLE FIND OUT THEY DON'T HAVE THE COVERAGE, AFTER THEY HAVE HAD AN ACCIDENT.