Additionally, consider bringing proof of coverage to the rental car company when getting your rental car. The rental car company may refuse to let you drive off the lot until you prove you have adequate coverage. Many major car insurance providers offer temporary non-owners car insurance policies that are ideal for rental cars.
Request a quote for a non-owners car insurance policy with one of the following:. In most cases, the above car insurance companies sell non-owners car insurance with only liability coverage. This may be sufficient coverage, although you may also consider buying additional coverage — say, through your credit card company or the rental car company. Every rental car company has auto insurance coverage on its entire fleet of vehicles , with at least basic supplemental liability protection extended to all renters.
However, if you get into an accident while driving a rental car, then you may need to pay a huge deductible along with other expenses. Rental car companies will charge you for lost income for every day the rental car cannot be used, for example. Most rental car companies offer the following four types of car insurance as an additional purchase:. Liability: Liability coverage covers property damage and medical expenses you cause on other people, drivers, and property while driving the rental car.
This coverage is mandatory. Loss Damage Waiver: A loss damage waiver will cover any damage done to the rental vehicle, from theft to hail damage and more. This coverage is optional but absolves you of virtually any responsibility if the vehicle is damaged.
Personal Accident Insurance: This insurance covers any medical expenses of you and your passengers, similar to how ordinary health insurance works. This coverage is optional. Personal Effects Insurance: If your rental car is broken into, or if the car gets stolen , then you might want to buy personal effects insurance. This insurance covers any possessions inside the vehicle. Most major credit cards — including many Visa and Mastercard credit cards — come with rental car insurance coverage.
Typically, credit-card-based rental car insurance coverage includes liability coverage mandatory and secondary coverage like collision and comprehensive coverage. However, not all credit cards provide rental car coverage. Contact your credit card company to verify you have coverage. Rental car companies offer supplemental insurance on top of that so that you can protect yourself in case of an accident. If you decide that you do need to purchase coverage from the rental agency, you should know that rental car companies usually present four options of coverage.
They are:. If you and your passengers have medical insurance, personal insurance is an option, but probably not necessary. Personal effects coverage is entirely optional depending on how concerned you are about things being stolen from your vehicle you should never leave items of value in an unattended vehicle anyway. Can I rent a car without car insurance? Craig Johnson. Home Cars. If you have your own car insurance policy, your coverage should extend to your rental car in the United States.
Every state mandates drivers to have a minimum amount of liability coverage to protect other drivers on the road in case you cause an accident. Even though car insurance tends to follow the car , not the driver, the situation of renting a car is a typical exception to this rule. This means the same limits and deductibles that apply to your car should also apply to a car you rent. But, this can vary by state. If you have collision and comprehensive coverage , this will likely follow you to your rental car, too again, an exception to the car insurance following the car rule.
You may want to double-check with your carrier beforehand, though, just to make sure.
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