John S Kiernan, Managing Editor
Rental car insurance can cover liability claims, collision damage to the rental car, stolen personal items, and injuries to you and your passengers, depending on the types of coverage you buy. You need rental car insurance if you don’t have a personal auto policy, or if you want to avoid paying a high deductible.
What Different Types of Rental Car Insurance Cover
Generally, rental car companies offer four types of coverage for customers to choose from: collision damage waivers, liability coverage, personal accident insurance, and personal effects coverage.
Type of Insurance
Helps cover damage to the rental car. May not cover certain kinds of damage, like from speeding, inclement weather, or driving on unpaved roads.
Helps cover you if you injure someone or damage someone else’s property while driving. Does not cover damage done to the rental car, nor injuries sustained by you and your passengers.
Helps pay medical bills for you and your passengers after an accident.
Helps cover personal items if they are stolen from your rental car. Expensive items like computers and cameras may be subject to limits and exclusions.
Before you purchase rental car insurance, be sure to check your personal auto insurance because personal policies often cover rental cars. You can also call your insurance company or agent to verify the extent of your existing coverage.
To learn more, check out WalletHub’s guide to rental car insurance.
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