Life is full of surprises, right? Sometimes those surprises are less than pleasant, but when damage occurs to things that do not belong to you, the horror is multiplied! We’d say it’s better to be safe than sorry, but insurance for car rentals is mandatory anyway. So instead of selling you on the idea, let’s walk you through what rent-a-car insurance covers.
There are 3 main types of insurance:
Liability insurance covers the damage you may cause to somebody else. It is mostly included in the car rental price, while in most states it’s required when renting a car.
Collision coverage will be useful if you need to fix the rental car, because you got hit, you hit somebody else’s car and/or — God forbid — a person on the road.
Comprehensive insurance, also called CDW (Collision Damage Waiver) or LDW (Loss Damage Waiver), is advisable to have as well, because it covers the damage you may cause on the rental car itself, and/or if the car is stolen for example, or damaged in a storm or a flood.
These 3 types of insurance required to rent a car will almost always be the rent-a-car company’s obligation. You may be required to purchase all these insurances on your own, but in the majority of cases the insurance is included in the car rental price.
However, if you have your own car regularly insured through a car insurance company, it’s possible that they will cover you, i.e. insure you, when renting a car. Some credit card companies, such as American Express, have their own kind of card insurance as well, so if you pay your bills with a credit card, you can likely easily get car insurance as well.
In most parts of the US, the three insurances listed above are the insurances you need to rent a car. As you can see, they cover everything you need or anything that may happen to you while driving the vehicle. Also, Liability insurance is mandatory in most parts of the US, while other insurances are optional. Still, it’s more comfortable and easier to drive a rental car when you know you’re protected from huge damages and financial disasters.
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