Rental Car Insurance

We offer you to find out ahead what car rental insurance options are offered by the car rental company, and decide whether you need this coverage or whether you're already protected by your personal policies.

Let's start with your collision insurance coverage in your personal car insurance policy. It is likely to cover damage you cause to any car you're driving including a rental car. However, many auto insurance policies say that your own collision insurance is "excess" to any other coverage. Your comprehensive coverage is likely to apply to any rental car you drive and cover theft, fire, vandalism, or animal collisions.

If you cause an accident, your liability insurance will pay for the damages you cause, and all the medical expenses that arise from your fault. But if you were driving a rental car at the time of the accident, your personal auto liability insurance will likely be excess coverage.

Rental car companies such as Alamo, Enterprise, and Hertz offer different types of rental car insurance in Mexico, UK and other countries, that broaden your liability protection and that can relieve you of the necessity of paying for a wrecked rental.

Loss damage waivers (LDW) and collision damage waivers (CDW) from the rental company take the place of your own collision and comprehensive insurance. Some car rental companies offer liability insurance that will cover you for up to $1 million if you cause an accident, damage property, or injure others. You can also buy accidental death and personal property insurance from a rental car company. Some companies also offer "limited" coverage for your personal things that might be stolen from the rental car. You can choose to pay for insurance with a rental car insurance credit card.

It is really confusing to decide what rent a car insurance you actually need. Purchasing all of the insurance offered by a rental car company can double your rental expenses. Purchasing none of it might put you in a quandary if you have an accident. Here are some things to keep in mind.

If you don't have your own collision coverage, buying the LDW is a sound idea. Those who don't own cars will likely find the supplemental liability insurance offered by the rental companies; it is valuable if you don't yet have a nonowners auto insurance policy. If you have own liability insurance, it will generally come to help first if you cause an accident. Rental car company offerings of accidental death and personal property insurance give you unnecessary coverage if you already have health, homeowners or renters, and life insurance.