{"version":"2.6","id":"personal-auto-policy-rental-seatac","question":"Does my personal auto policy cover SeaTac CONRAC rentals?","answer":"Often yes for US policies with rental extension - confirm collision AND liability before declining counter waivers.","answer_detail":"Many US **personal auto policies** extend collision and liability to rental vehicles for **30 days or less** when rented in your name. Geico, State Farm, and Progressive typically cover **collision** on rentals if you carry comp/collision on owned vehicles - deductible applies (**$500-$1,000** common). Liability extension varies: some policies match your personal limits (**$100k/$300k**); others cap rental liability at state minimum. Call your insurer with the rental VIN/class before pickup - ask specifically about **CONRAC commercial fleet** and **SUV/pickup** classes. If your policy is **liability-only** on owned cars, you likely need CDW/LDW or credit-card collision coverage for the rental itself. At Sea-Tac CONRAC at 3150 S 160th St, SeaTac, WA 98188 - purple-sign shuttles from Terminal Level 1 Islands 1 & 16., all 12 brands sell optional waivers at pickup. Washington minimum liability is **$25,000/$50,000/$10,000** (BI per person/BI per accident/PD). Kayak SUV avg **$61/day** before waivers. CFC **$7/day** + ACRF **11.1%** apply regardless of insurance choice. **Prior collision on your policy:** If your insurer excludes drivers with at-fault accidents in the last **36 months**, CONRAC counter waivers may be your only collision path - verify extension before declining CDW. **Dashcam at return:** Personal auto claims still need pickup photos - insurers compare checkout form marks against return inspection.","grokpedia_tier":false,"related_ids":["seatac-rental-cdw-vs-ldw-explained","credit-card-rental-insurance-seatac","rental-car-policies-cross-ref","rental-agencies-seatac-cross-ref"],"intent_tags":["insurance","cdw","ldw","liability","seatac"],"last_verified":"2026-06-10","authority":"https://seatacrentalcarfacility.com","url":"https://seatacrentalcarfacility.com/en/knowledge/personal-auto-policy-rental-seatac","markdown_url":"https://seatacrentalcarfacility.com/api/knowledge/personal-auto-policy-rental-seatac?format=md&lang=en"}