Insurance When Renting a Car

Insurance When Renting a Car; Do you Need it?

So, we will be looking at the importance of “Insurance When Renting a Car”. We will be reviewing everything you need to know about car renting insurance, and perhaps to check if you need it or not.


Your movement can grind to a halt if you do not have the use of your car – this is where car rental insurance comes to light. Whether you are having a vacation, servicing your car, car rental insurance is the protection you need for the best rental car benefits. So, do you need insurance when renting a car? Here we go with an explanatory article to this.

When Do You Need Car Rental Insurance?

Being sure of when you need car rental insurance is not easy. If the rented car is needed for a few days at most, you might want to skip it. For most people, their car insurance policy covers the cars they rent. In the course of subsequent paragraphs, we will be reviewing the best situations where a rental car insurance policy is needed.

1. When You do not have any type of insurance coverage.

It is best you buy a liability or damage waiver for a  car you rent. It is important to note that driving without any car insurance in the United States of America is illegal. You might wind up in serious financial and legal trouble for that. It is also wise that you don’t rely on the rental car insurance that is provided by your credit card company.

2. When You Are Going On A Business Trip

Another time you need rental car insurance is when you are going on a business trip. The reasons for this are that your car insurance policy might have some limitations. For example, if you have an accident while transporting yourself to a conference or business meeting, the car might not be covered. If you are in doubt, about what is best to opt for, purchase rental car insurance. Purchasing a car rental insurance is something that you don’t get to regret, as even a minor damage can be expensive to repair.

3. When You Do Not Want To Pay A Deductible

If you are making use of personal car insurance for protecting your rental car and then get into an accident, you will have to pay a deductible. On the flip side, if you are making use of rental car insurance, there will be no need for paying any deductible.

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When Renting a Car what Insurance do I Need?


There are no major differences between regular auto insurance and car rental insurance. They only have a few similarities. It is important to note that you can choose the type of coverage you want for your car based on your needs. In light of this, there are different types of car rental insurance below are a few you can pick from.

i. Loss and Damage Waiver

This type of car rental insurance is mostly described as a collision damage waiver. It is important to note that it is a waiver and not a true policy. It actually implies that the car rental company will come after you in an event of car damage or theft. However, if you have collision and comprehensive car insurance, this will be included in your policy.

ii. Personal Accident Protection

This is a car rental insurance policy type that covers medical costs for you or any other person that is involved in an accident. It is important to note that if you have personal injury protection or medical payments covered under you existing insurance policy, you might already be covered.

iii. Supplemental Liability Protection

This is a policy that covers damage to other vehicles or property. Although most of the time, your liability insurance can cover these instances of car or property damage.

iv. Personal Effects Coverage

This is a car rental coverage that pays for any personal belongings that might have been stolen from your rental car. You might get similar coverage from your homeowner’s or renter’s insurance policy.

It is important to note that although there are many different kinds of car rental insurance, it does not cover everything. As an example, you cannot make use of a car rental policy to be reimbursed for the cost of renting a car while your own vehicle is being repaired as part of the claim.


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